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$75,345
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,689
−HK$2,381/mo
Today · 4.125%
HK$80,070
baseline
▲ 0.50% · 4.625%
HK$84,942
+HK$4,872/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$160,140/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,821
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,069
−HK$2,280/mo
Today · 4.125%
HK$88,349
baseline
▲ 0.50% · 4.625%
HK$93,006
+HK$4,657/mo
Deposit HK$16.52M · loan HK$16.52M · min. income ≈ HK$176,698/mo (50% DSR)
Upfront cash ≈ HK$17.93M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,414
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,227
−HK$2,857/mo
Today · 4.125%
HK$96,084
baseline
▲ 0.50% · 4.625%
HK$101,930
+HK$5,846/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$192,168/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,585
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,282
−HK$2,737/mo
Today · 4.125%
HK$106,019
baseline
▲ 0.50% · 4.625%
HK$111,608
+HK$5,589/mo
Deposit HK$13.22M · loan HK$19.83M · min. income ≈ HK$212,038/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,483
−HK$6,615/mo
▼ 0.25% · 3.875%
HK$108,764
−HK$3,334/mo
Today · 4.125%
HK$112,098
baseline
▲ 0.50% · 4.625%
HK$118,919
+HK$6,821/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$224,196/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,349
−HK$6,340/mo
▼ 0.25% · 3.875%
HK$120,496
−HK$3,193/mo
Today · 4.125%
HK$123,689
baseline
▲ 0.50% · 4.625%
HK$130,209
+HK$6,520/mo
Deposit HK$9.91M · loan HK$23.13M · min. income ≈ HK$247,378/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,621
−HK$8,505/mo
▼ 0.25% · 3.875%
HK$139,840
−HK$4,286/mo
Today · 4.125%
HK$144,126
baseline
▲ 0.50% · 4.625%
HK$152,896
+HK$8,770/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$288,252/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,877
−HK$8,152/mo
▼ 0.25% · 3.875%
HK$154,924
−HK$4,105/mo
Today · 4.125%
HK$159,029
baseline
▲ 0.50% · 4.625%
HK$167,411
+HK$8,382/mo
Deposit HK$3.30M · loan HK$29.74M · min. income ≈ HK$318,058/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,404,302 · Scale 2, in force from 26 Feb 2026)