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$75,385
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,730
−HK$2,383/mo
Today · 4.125%
HK$80,113
baseline
▲ 0.50% · 4.625%
HK$84,987
+HK$4,874/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$160,226/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,865
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,115
−HK$2,281/mo
Today · 4.125%
HK$88,396
baseline
▲ 0.50% · 4.625%
HK$93,056
+HK$4,660/mo
Deposit HK$16.53M · loan HK$16.53M · min. income ≈ HK$176,792/mo (50% DSR)
Upfront cash ≈ HK$17.94M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,462
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,276
−HK$2,859/mo
Today · 4.125%
HK$96,135
baseline
▲ 0.50% · 4.625%
HK$101,985
+HK$5,850/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$192,270/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,638
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,338
−HK$2,738/mo
Today · 4.125%
HK$106,076
baseline
▲ 0.50% · 4.625%
HK$111,667
+HK$5,591/mo
Deposit HK$13.22M · loan HK$19.84M · min. income ≈ HK$212,152/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,539
−HK$6,619/mo
▼ 0.25% · 3.875%
HK$108,822
−HK$3,336/mo
Today · 4.125%
HK$112,158
baseline
▲ 0.50% · 4.625%
HK$118,982
+HK$6,824/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$224,316/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,412
−HK$6,343/mo
▼ 0.25% · 3.875%
HK$120,560
−HK$3,195/mo
Today · 4.125%
HK$123,755
baseline
▲ 0.50% · 4.625%
HK$130,278
+HK$6,523/mo
Deposit HK$9.92M · loan HK$23.14M · min. income ≈ HK$247,510/mo (50% DSR)
Upfront cash ≈ HK$11.32M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,694
−HK$8,509/mo
▼ 0.25% · 3.875%
HK$139,914
−HK$4,289/mo
Today · 4.125%
HK$144,203
baseline
▲ 0.50% · 4.625%
HK$152,977
+HK$8,774/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$288,406/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,958
−HK$8,156/mo
▼ 0.25% · 3.875%
HK$155,006
−HK$4,108/mo
Today · 4.125%
HK$159,114
baseline
▲ 0.50% · 4.625%
HK$167,501
+HK$8,387/mo
Deposit HK$3.31M · loan HK$29.75M · min. income ≈ HK$318,228/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$1,405,051 · Scale 2, in force from 26 Feb 2026)