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$75,296
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,638
−HK$2,380/mo
Today · 4.125%
HK$80,018
baseline
▲ 0.50% · 4.625%
HK$84,887
+HK$4,869/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$160,036/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,766
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,013
−HK$2,279/mo
Today · 4.125%
HK$88,292
baseline
▲ 0.50% · 4.625%
HK$92,946
+HK$4,654/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,584/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,355
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,166
−HK$2,856/mo
Today · 4.125%
HK$96,022
baseline
▲ 0.50% · 4.625%
HK$101,864
+HK$5,842/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$192,044/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,520
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,215
−HK$2,735/mo
Today · 4.125%
HK$105,950
baseline
▲ 0.50% · 4.625%
HK$111,535
+HK$5,585/mo
Deposit HK$13.21M · loan HK$19.81M · min. income ≈ HK$211,900/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,415
−HK$6,610/mo
▼ 0.25% · 3.875%
HK$108,694
−HK$3,331/mo
Today · 4.125%
HK$112,025
baseline
▲ 0.50% · 4.625%
HK$118,842
+HK$6,817/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$224,050/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,273
−HK$6,336/mo
▼ 0.25% · 3.875%
HK$120,418
−HK$3,191/mo
Today · 4.125%
HK$123,609
baseline
▲ 0.50% · 4.625%
HK$130,124
+HK$6,515/mo
Deposit HK$9.91M · loan HK$23.11M · min. income ≈ HK$247,218/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,533
−HK$8,499/mo
▼ 0.25% · 3.875%
HK$139,749
−HK$4,283/mo
Today · 4.125%
HK$144,032
baseline
▲ 0.50% · 4.625%
HK$152,796
+HK$8,764/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$288,064/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,779
−HK$8,146/mo
▼ 0.25% · 3.875%
HK$154,823
−HK$4,102/mo
Today · 4.125%
HK$158,925
baseline
▲ 0.50% · 4.625%
HK$167,303
+HK$8,378/mo
Deposit HK$3.30M · loan HK$29.72M · min. income ≈ HK$317,850/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,403,390 · Scale 2, in force from 26 Feb 2026)