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$75,030
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,364
−HK$2,371/mo
Today · 4.125%
HK$79,735
baseline
▲ 0.50% · 4.625%
HK$84,587
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,470/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,470
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,709
−HK$2,271/mo
Today · 4.125%
HK$87,980
baseline
▲ 0.50% · 4.625%
HK$92,617
+HK$4,637/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,960/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,036
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,837
−HK$2,845/mo
Today · 4.125%
HK$95,682
baseline
▲ 0.50% · 4.625%
HK$101,504
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,364/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,164
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,851
−HK$2,725/mo
Today · 4.125%
HK$105,576
baseline
▲ 0.50% · 4.625%
HK$111,141
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,152/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,042
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,309
−HK$3,320/mo
Today · 4.125%
HK$111,629
baseline
▲ 0.50% · 4.625%
HK$118,421
+HK$6,792/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,258/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,858
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$119,992
−HK$3,180/mo
Today · 4.125%
HK$123,172
baseline
▲ 0.50% · 4.625%
HK$129,664
+HK$6,492/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,344/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,054
−HK$8,469/mo
▼ 0.25% · 3.875%
HK$139,255
−HK$4,268/mo
Today · 4.125%
HK$143,523
baseline
▲ 0.50% · 4.625%
HK$152,256
+HK$8,733/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,046/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,246
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,276
−HK$4,088/mo
Today · 4.125%
HK$158,364
baseline
▲ 0.50% · 4.625%
HK$166,711
+HK$8,347/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,728/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,429 · Scale 2, in force from 26 Feb 2026)