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$75,477
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,825
−HK$2,386/mo
Today · 4.125%
HK$80,211
baseline
▲ 0.50% · 4.625%
HK$85,091
+HK$4,880/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$160,422/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,968
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,220
−HK$2,284/mo
Today · 4.125%
HK$88,504
baseline
▲ 0.50% · 4.625%
HK$93,170
+HK$4,666/mo
Deposit HK$16.55M · loan HK$16.55M · min. income ≈ HK$177,008/mo (50% DSR)
Upfront cash ≈ HK$17.96M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,573
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,390
−HK$2,863/mo
Today · 4.125%
HK$96,253
baseline
▲ 0.50% · 4.625%
HK$102,109
+HK$5,856/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$192,506/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,762
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,464
−HK$2,741/mo
Today · 4.125%
HK$106,205
baseline
▲ 0.50% · 4.625%
HK$111,804
+HK$5,599/mo
Deposit HK$13.24M · loan HK$19.86M · min. income ≈ HK$212,410/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,668
−HK$6,627/mo
▼ 0.25% · 3.875%
HK$108,955
−HK$3,340/mo
Today · 4.125%
HK$112,295
baseline
▲ 0.50% · 4.625%
HK$119,128
+HK$6,833/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$224,590/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,555
−HK$6,351/mo
▼ 0.25% · 3.875%
HK$120,708
−HK$3,198/mo
Today · 4.125%
HK$123,906
baseline
▲ 0.50% · 4.625%
HK$130,438
+HK$6,532/mo
Deposit HK$9.93M · loan HK$23.17M · min. income ≈ HK$247,812/mo (50% DSR)
Upfront cash ≈ HK$11.34M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,859
−HK$8,520/mo
▼ 0.25% · 3.875%
HK$140,085
−HK$4,294/mo
Today · 4.125%
HK$144,379
baseline
▲ 0.50% · 4.625%
HK$153,164
+HK$8,785/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$288,758/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,142
−HK$8,166/mo
▼ 0.25% · 3.875%
HK$155,196
−HK$4,112/mo
Today · 4.125%
HK$159,308
baseline
▲ 0.50% · 4.625%
HK$167,705
+HK$8,397/mo
Deposit HK$3.31M · loan HK$29.79M · min. income ≈ HK$318,616/mo (50% DSR)
Upfront cash ≈ HK$4.72M (deposit + AVD stamp duty HK$1,406,769 · Scale 2, in force from 26 Feb 2026)