The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$75,355
−HK$4,726/mo
▼ 0.25% · 3.875%
HK$77,699
−HK$2,382/mo
Today · 4.125%
HK$80,081
baseline
▲ 0.50% · 4.625%
HK$84,954
+HK$4,873/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,162/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,832
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,080
−HK$2,281/mo
Today · 4.125%
HK$88,361
baseline
▲ 0.50% · 4.625%
HK$93,019
+HK$4,658/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,722/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,426
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,239
−HK$2,858/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,944
+HK$5,847/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,599
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,297
−HK$2,737/mo
Today · 4.125%
HK$106,034
baseline
▲ 0.50% · 4.625%
HK$111,623
+HK$5,589/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,068/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,498
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,779
−HK$3,334/mo
Today · 4.125%
HK$112,113
baseline
▲ 0.50% · 4.625%
HK$118,935
+HK$6,822/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,226/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,365
−HK$6,341/mo
▼ 0.25% · 3.875%
HK$120,513
−HK$3,193/mo
Today · 4.125%
HK$123,706
baseline
▲ 0.50% · 4.625%
HK$130,227
+HK$6,521/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,412/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,640
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$139,859
−HK$4,286/mo
Today · 4.125%
HK$144,145
baseline
▲ 0.50% · 4.625%
HK$152,916
+HK$8,771/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,290/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,898
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$154,945
−HK$4,105/mo
Today · 4.125%
HK$159,050
baseline
▲ 0.50% · 4.625%
HK$167,434
+HK$8,384/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,100/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,493 · Scale 2, in force from 26 Feb 2026)