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$75,031
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,365
−HK$2,372/mo
Today · 4.125%
HK$79,737
baseline
▲ 0.50% · 4.625%
HK$84,588
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,474/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,710
−HK$2,271/mo
Today · 4.125%
HK$87,981
baseline
▲ 0.50% · 4.625%
HK$92,619
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,962/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,038
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,838
−HK$2,846/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$101,506
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,852
−HK$2,726/mo
Today · 4.125%
HK$105,578
baseline
▲ 0.50% · 4.625%
HK$111,143
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,156/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,044
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,311
−HK$3,320/mo
Today · 4.125%
HK$111,631
baseline
▲ 0.50% · 4.625%
HK$118,424
+HK$6,793/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,262/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,860
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,995
−HK$3,179/mo
Today · 4.125%
HK$123,174
baseline
▲ 0.50% · 4.625%
HK$129,667
+HK$6,493/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,348/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,057
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,258
−HK$4,268/mo
Today · 4.125%
HK$143,526
baseline
▲ 0.50% · 4.625%
HK$152,259
+HK$8,733/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,052/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,249
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,279
−HK$4,088/mo
Today · 4.125%
HK$158,367
baseline
▲ 0.50% · 4.625%
HK$166,714
+HK$8,347/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,734/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,456 · Scale 2, in force from 26 Feb 2026)