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$75,061
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,395
−HK$2,373/mo
Today · 4.125%
HK$79,768
baseline
▲ 0.50% · 4.625%
HK$84,621
+HK$4,853/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,536/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,504
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,744
−HK$2,272/mo
Today · 4.125%
HK$88,016
baseline
▲ 0.50% · 4.625%
HK$92,655
+HK$4,639/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,032/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,073
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,875
−HK$2,846/mo
Today · 4.125%
HK$95,721
baseline
▲ 0.50% · 4.625%
HK$101,545
+HK$5,824/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,442/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,205
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,892
−HK$2,727/mo
Today · 4.125%
HK$105,619
baseline
▲ 0.50% · 4.625%
HK$111,186
+HK$5,567/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,238/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,085
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,354
−HK$3,321/mo
Today · 4.125%
HK$111,675
baseline
▲ 0.50% · 4.625%
HK$118,470
+HK$6,795/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$223,350/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,906
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,041
−HK$3,181/mo
Today · 4.125%
HK$123,222
baseline
▲ 0.50% · 4.625%
HK$129,717
+HK$6,495/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$246,444/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,109
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,312
−HK$4,270/mo
Today · 4.125%
HK$143,582
baseline
▲ 0.50% · 4.625%
HK$152,318
+HK$8,736/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,164/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,308
−HK$8,120/mo
▼ 0.25% · 3.875%
HK$154,339
−HK$4,089/mo
Today · 4.125%
HK$158,428
baseline
▲ 0.50% · 4.625%
HK$166,779
+HK$8,351/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,856/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,999 · Scale 2, in force from 26 Feb 2026)