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$75,090
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,426
−HK$2,373/mo
Today · 4.125%
HK$79,799
baseline
▲ 0.50% · 4.625%
HK$84,654
+HK$4,855/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,598/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,537
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,777
−HK$2,273/mo
Today · 4.125%
HK$88,050
baseline
▲ 0.50% · 4.625%
HK$92,691
+HK$4,641/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,100/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,108
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,911
−HK$2,847/mo
Today · 4.125%
HK$95,758
baseline
▲ 0.50% · 4.625%
HK$101,585
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,516/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,244
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,933
−HK$2,727/mo
Today · 4.125%
HK$105,660
baseline
▲ 0.50% · 4.625%
HK$111,230
+HK$5,570/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,320/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,126
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,396
−HK$3,322/mo
Today · 4.125%
HK$111,718
baseline
▲ 0.50% · 4.625%
HK$118,516
+HK$6,798/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,436/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,952
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,088
−HK$3,182/mo
Today · 4.125%
HK$123,270
baseline
▲ 0.50% · 4.625%
HK$129,768
+HK$6,498/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,540/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,162
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,366
−HK$4,272/mo
Today · 4.125%
HK$143,638
baseline
▲ 0.50% · 4.625%
HK$152,378
+HK$8,740/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,276/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,366
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,399
−HK$4,091/mo
Today · 4.125%
HK$158,490
baseline
▲ 0.50% · 4.625%
HK$166,844
+HK$8,354/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$316,980/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,546 · Scale 2, in force from 26 Feb 2026)