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$75,040
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,374
−HK$2,371/mo
Today · 4.125%
HK$79,745
baseline
▲ 0.50% · 4.625%
HK$84,598
+HK$4,853/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,490/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,481
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,720
−HK$2,271/mo
Today · 4.125%
HK$87,991
baseline
▲ 0.50% · 4.625%
HK$92,629
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,982/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,048
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,849
−HK$2,845/mo
Today · 4.125%
HK$95,694
baseline
▲ 0.50% · 4.625%
HK$101,517
+HK$5,823/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$191,388/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,177
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,864
−HK$2,725/mo
Today · 4.125%
HK$105,589
baseline
▲ 0.50% · 4.625%
HK$111,155
+HK$5,566/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$211,178/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,056
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,323
−HK$3,321/mo
Today · 4.125%
HK$111,644
baseline
▲ 0.50% · 4.625%
HK$118,437
+HK$6,793/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,288/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,873
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,008
−HK$3,180/mo
Today · 4.125%
HK$123,188
baseline
▲ 0.50% · 4.625%
HK$129,681
+HK$6,493/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,376/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,072
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,273
−HK$4,269/mo
Today · 4.125%
HK$143,542
baseline
▲ 0.50% · 4.625%
HK$152,276
+HK$8,734/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,084/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,266
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,296
−HK$4,088/mo
Today · 4.125%
HK$158,384
baseline
▲ 0.50% · 4.625%
HK$166,733
+HK$8,349/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,768/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,610 · Scale 2, in force from 26 Feb 2026)