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$75,105
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,373/mo
Today · 4.125%
HK$79,815
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,857/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,630/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,273/mo
Today · 4.125%
HK$88,068
baseline
▲ 0.50% · 4.625%
HK$92,710
+HK$4,642/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,136/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,127
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,930
−HK$2,848/mo
Today · 4.125%
HK$95,778
baseline
▲ 0.50% · 4.625%
HK$101,606
+HK$5,828/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,556/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,265
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,954
−HK$2,728/mo
Today · 4.125%
HK$105,682
baseline
▲ 0.50% · 4.625%
HK$111,253
+HK$5,571/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,364/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,148
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,418
−HK$3,323/mo
Today · 4.125%
HK$111,741
baseline
▲ 0.50% · 4.625%
HK$118,541
+HK$6,800/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,482/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,976
−HK$6,320/mo
▼ 0.25% · 3.875%
HK$120,113
−HK$3,183/mo
Today · 4.125%
HK$123,296
baseline
▲ 0.50% · 4.625%
HK$129,795
+HK$6,499/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,592/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,190
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$139,395
−HK$4,272/mo
Today · 4.125%
HK$143,667
baseline
▲ 0.50% · 4.625%
HK$152,409
+HK$8,742/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,334/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,397
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,431
−HK$4,092/mo
Today · 4.125%
HK$158,523
baseline
▲ 0.50% · 4.625%
HK$166,879
+HK$8,356/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$317,046/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,835 · Scale 2, in force from 26 Feb 2026)