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$75,417
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,763
−HK$2,383/mo
Today · 4.125%
HK$80,146
baseline
▲ 0.50% · 4.625%
HK$85,023
+HK$4,877/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,292/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,901
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,151
−HK$2,283/mo
Today · 4.125%
HK$88,434
baseline
▲ 0.50% · 4.625%
HK$93,095
+HK$4,661/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,868/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,500
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,316
−HK$2,860/mo
Today · 4.125%
HK$96,176
baseline
▲ 0.50% · 4.625%
HK$102,028
+HK$5,852/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$192,352/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,681
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,381
−HK$2,739/mo
Today · 4.125%
HK$106,120
baseline
▲ 0.50% · 4.625%
HK$111,714
+HK$5,594/mo
Deposit HK$13.23M · loan HK$19.84M · min. income ≈ HK$212,240/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,584
−HK$6,621/mo
▼ 0.25% · 3.875%
HK$108,868
−HK$3,337/mo
Today · 4.125%
HK$112,205
baseline
▲ 0.50% · 4.625%
HK$119,032
+HK$6,827/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$224,410/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,461
−HK$6,346/mo
▼ 0.25% · 3.875%
HK$120,611
−HK$3,196/mo
Today · 4.125%
HK$123,807
baseline
▲ 0.50% · 4.625%
HK$130,333
+HK$6,526/mo
Deposit HK$9.92M · loan HK$23.15M · min. income ≈ HK$247,614/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,751
−HK$8,512/mo
▼ 0.25% · 3.875%
HK$139,973
−HK$4,290/mo
Today · 4.125%
HK$144,263
baseline
▲ 0.50% · 4.625%
HK$153,042
+HK$8,779/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,526/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,021
−HK$8,160/mo
▼ 0.25% · 3.875%
HK$155,072
−HK$4,109/mo
Today · 4.125%
HK$159,181
baseline
▲ 0.50% · 4.625%
HK$167,571
+HK$8,390/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,362/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,643 · Scale 2, in force from 26 Feb 2026)