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$75,093
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,429
−HK$2,373/mo
Today · 4.125%
HK$79,802
baseline
▲ 0.50% · 4.625%
HK$84,658
+HK$4,856/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,604/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,540
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,781
−HK$2,273/mo
Today · 4.125%
HK$88,054
baseline
▲ 0.50% · 4.625%
HK$92,695
+HK$4,641/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,108/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,112
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,915
−HK$2,848/mo
Today · 4.125%
HK$95,763
baseline
▲ 0.50% · 4.625%
HK$101,590
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,526/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,248
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,937
−HK$2,728/mo
Today · 4.125%
HK$105,665
baseline
▲ 0.50% · 4.625%
HK$111,234
+HK$5,569/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,330/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,130
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,401
−HK$3,322/mo
Today · 4.125%
HK$111,723
baseline
▲ 0.50% · 4.625%
HK$118,521
+HK$6,798/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,446/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,957
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,093
−HK$3,182/mo
Today · 4.125%
HK$123,275
baseline
▲ 0.50% · 4.625%
HK$129,773
+HK$6,498/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,550/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,168
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,372
−HK$4,272/mo
Today · 4.125%
HK$143,644
baseline
▲ 0.50% · 4.625%
HK$152,384
+HK$8,740/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,288/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,373
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,406
−HK$4,091/mo
Today · 4.125%
HK$158,497
baseline
▲ 0.50% · 4.625%
HK$166,852
+HK$8,355/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$316,994/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,606 · Scale 2, in force from 26 Feb 2026)