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$75,438
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,785
−HK$2,384/mo
Today · 4.125%
HK$80,169
baseline
▲ 0.50% · 4.625%
HK$85,047
+HK$4,878/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$160,338/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,925
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,175
−HK$2,284/mo
Today · 4.125%
HK$88,459
baseline
▲ 0.50% · 4.625%
HK$93,121
+HK$4,662/mo
Deposit HK$16.54M · loan HK$16.54M · min. income ≈ HK$176,918/mo (50% DSR)
Upfront cash ≈ HK$17.95M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,526
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,342
−HK$2,861/mo
Today · 4.125%
HK$96,203
baseline
▲ 0.50% · 4.625%
HK$102,057
+HK$5,854/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$192,406/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,709
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,410
−HK$2,740/mo
Today · 4.125%
HK$106,150
baseline
▲ 0.50% · 4.625%
HK$111,746
+HK$5,596/mo
Deposit HK$13.23M · loan HK$19.85M · min. income ≈ HK$212,300/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,614
−HK$6,623/mo
▼ 0.25% · 3.875%
HK$108,899
−HK$3,338/mo
Today · 4.125%
HK$112,237
baseline
▲ 0.50% · 4.625%
HK$119,066
+HK$6,829/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$224,474/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,494
−HK$6,348/mo
▼ 0.25% · 3.875%
HK$120,645
−HK$3,197/mo
Today · 4.125%
HK$123,842
baseline
▲ 0.50% · 4.625%
HK$130,370
+HK$6,528/mo
Deposit HK$9.92M · loan HK$23.16M · min. income ≈ HK$247,684/mo (50% DSR)
Upfront cash ≈ HK$11.33M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,789
−HK$8,515/mo
▼ 0.25% · 3.875%
HK$140,013
−HK$4,291/mo
Today · 4.125%
HK$144,304
baseline
▲ 0.50% · 4.625%
HK$153,085
+HK$8,781/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$288,608/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,064
−HK$8,162/mo
▼ 0.25% · 3.875%
HK$155,116
−HK$4,110/mo
Today · 4.125%
HK$159,226
baseline
▲ 0.50% · 4.625%
HK$167,619
+HK$8,393/mo
Deposit HK$3.31M · loan HK$29.77M · min. income ≈ HK$318,452/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,406,041 · Scale 2, in force from 26 Feb 2026)