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$75,112
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,448
−HK$2,374/mo
Today · 4.125%
HK$79,822
baseline
▲ 0.50% · 4.625%
HK$84,679
+HK$4,857/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,644/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,561
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,802
−HK$2,273/mo
Today · 4.125%
HK$88,075
baseline
▲ 0.50% · 4.625%
HK$92,718
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,150/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,134
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,938
−HK$2,848/mo
Today · 4.125%
HK$95,786
baseline
▲ 0.50% · 4.625%
HK$101,614
+HK$5,828/mo
Deposit HK$13.18M · loan HK$19.76M · min. income ≈ HK$191,572/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,273
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,962
−HK$2,728/mo
Today · 4.125%
HK$105,690
baseline
▲ 0.50% · 4.625%
HK$111,262
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.76M · min. income ≈ HK$211,380/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,156
−HK$6,594/mo
▼ 0.25% · 3.875%
HK$108,427
−HK$3,323/mo
Today · 4.125%
HK$111,750
baseline
▲ 0.50% · 4.625%
HK$118,550
+HK$6,800/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,500/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,985
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,123
−HK$3,183/mo
Today · 4.125%
HK$123,306
baseline
▲ 0.50% · 4.625%
HK$129,805
+HK$6,499/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,612/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,201
−HK$8,478/mo
▼ 0.25% · 3.875%
HK$139,406
−HK$4,273/mo
Today · 4.125%
HK$143,679
baseline
▲ 0.50% · 4.625%
HK$152,422
+HK$8,743/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,358/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,410
−HK$8,126/mo
▼ 0.25% · 3.875%
HK$154,443
−HK$4,093/mo
Today · 4.125%
HK$158,536
baseline
▲ 0.50% · 4.625%
HK$166,892
+HK$8,356/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,072/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,949 · Scale 2, in force from 26 Feb 2026)