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$75,217
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$77,557
−HK$2,377/mo
Today · 4.125%
HK$79,934
baseline
▲ 0.50% · 4.625%
HK$84,798
+HK$4,864/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,868/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,678
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$85,922
−HK$2,277/mo
Today · 4.125%
HK$88,199
baseline
▲ 0.50% · 4.625%
HK$92,848
+HK$4,649/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,398/mo (50% DSR)
Upfront cash ≈ HK$17.90M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,260
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,068
−HK$2,852/mo
Today · 4.125%
HK$95,920
baseline
▲ 0.50% · 4.625%
HK$101,757
+HK$5,837/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,840/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,414
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$2,732/mo
Today · 4.125%
HK$105,839
baseline
▲ 0.50% · 4.625%
HK$111,418
+HK$5,579/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,678/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,304
−HK$6,603/mo
▼ 0.25% · 3.875%
HK$108,579
−HK$3,328/mo
Today · 4.125%
HK$111,907
baseline
▲ 0.50% · 4.625%
HK$118,717
+HK$6,810/mo
Deposit HK$9.90M · loan HK$23.09M · min. income ≈ HK$223,814/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,149
−HK$6,330/mo
▼ 0.25% · 3.875%
HK$120,291
−HK$3,188/mo
Today · 4.125%
HK$123,479
baseline
▲ 0.50% · 4.625%
HK$129,987
+HK$6,508/mo
Deposit HK$9.90M · loan HK$23.09M · min. income ≈ HK$246,958/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,391
−HK$8,490/mo
▼ 0.25% · 3.875%
HK$139,602
−HK$4,279/mo
Today · 4.125%
HK$143,881
baseline
▲ 0.50% · 4.625%
HK$152,636
+HK$8,755/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$287,762/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,621
−HK$8,137/mo
▼ 0.25% · 3.875%
HK$154,660
−HK$4,098/mo
Today · 4.125%
HK$158,758
baseline
▲ 0.50% · 4.625%
HK$167,127
+HK$8,369/mo
Deposit HK$3.30M · loan HK$29.69M · min. income ≈ HK$317,516/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,914 · Scale 2, in force from 26 Feb 2026)