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$75,099
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,435
−HK$2,373/mo
Today · 4.125%
HK$79,808
baseline
▲ 0.50% · 4.625%
HK$84,664
+HK$4,856/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,616/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,546
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,787
−HK$2,273/mo
Today · 4.125%
HK$88,060
baseline
▲ 0.50% · 4.625%
HK$92,702
+HK$4,642/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,120/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,118
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,922
−HK$2,848/mo
Today · 4.125%
HK$95,770
baseline
▲ 0.50% · 4.625%
HK$101,597
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,540/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,256
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,945
−HK$2,727/mo
Today · 4.125%
HK$105,672
baseline
▲ 0.50% · 4.625%
HK$111,242
+HK$5,570/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,344/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,138
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,408
−HK$3,323/mo
Today · 4.125%
HK$111,731
baseline
▲ 0.50% · 4.625%
HK$118,530
+HK$6,799/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,462/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,965
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,102
−HK$3,182/mo
Today · 4.125%
HK$123,284
baseline
▲ 0.50% · 4.625%
HK$129,783
+HK$6,499/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,568/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,178
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,382
−HK$4,272/mo
Today · 4.125%
HK$143,654
baseline
▲ 0.50% · 4.625%
HK$152,395
+HK$8,741/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,308/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,384
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,417
−HK$4,091/mo
Today · 4.125%
HK$158,508
baseline
▲ 0.50% · 4.625%
HK$166,864
+HK$8,356/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$317,016/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,708 · Scale 2, in force from 26 Feb 2026)