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$75,186
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,525
−HK$2,376/mo
Today · 4.125%
HK$79,901
baseline
▲ 0.50% · 4.625%
HK$84,763
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,802/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,644
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,887
−HK$2,276/mo
Today · 4.125%
HK$88,163
baseline
▲ 0.50% · 4.625%
HK$92,810
+HK$4,647/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,326/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,224
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,030
−HK$2,851/mo
Today · 4.125%
HK$95,881
baseline
▲ 0.50% · 4.625%
HK$101,716
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,762/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,373
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,065
−HK$2,731/mo
Today · 4.125%
HK$105,796
baseline
▲ 0.50% · 4.625%
HK$111,372
+HK$5,576/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,592/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,261
−HK$6,601/mo
▼ 0.25% · 3.875%
HK$108,535
−HK$3,327/mo
Today · 4.125%
HK$111,862
baseline
▲ 0.50% · 4.625%
HK$118,668
+HK$6,806/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,724/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,242
−HK$3,186/mo
Today · 4.125%
HK$123,428
baseline
▲ 0.50% · 4.625%
HK$129,934
+HK$6,506/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,856/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,335
−HK$8,487/mo
▼ 0.25% · 3.875%
HK$139,545
−HK$4,277/mo
Today · 4.125%
HK$143,822
baseline
▲ 0.50% · 4.625%
HK$152,573
+HK$8,751/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,644/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,559
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$154,597
−HK$4,097/mo
Today · 4.125%
HK$158,694
baseline
▲ 0.50% · 4.625%
HK$167,059
+HK$8,365/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,388/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,343 · Scale 2, in force from 26 Feb 2026)