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$75,098
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,434
−HK$2,373/mo
Today · 4.125%
HK$79,807
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,856/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,614/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,546
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,273/mo
Today · 4.125%
HK$88,059
baseline
▲ 0.50% · 4.625%
HK$92,701
+HK$4,642/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,118/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,117
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,921
−HK$2,848/mo
Today · 4.125%
HK$95,769
baseline
▲ 0.50% · 4.625%
HK$101,596
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,538/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,255
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,944
−HK$2,727/mo
Today · 4.125%
HK$105,671
baseline
▲ 0.50% · 4.625%
HK$111,241
+HK$5,570/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,342/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,137
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,407
−HK$3,323/mo
Today · 4.125%
HK$111,730
baseline
▲ 0.50% · 4.625%
HK$118,529
+HK$6,799/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,460/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,964
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,101
−HK$3,182/mo
Today · 4.125%
HK$123,283
baseline
▲ 0.50% · 4.625%
HK$129,781
+HK$6,498/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,566/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,176
−HK$8,477/mo
▼ 0.25% · 3.875%
HK$139,381
−HK$4,272/mo
Today · 4.125%
HK$143,653
baseline
▲ 0.50% · 4.625%
HK$152,394
+HK$8,741/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,306/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,382
−HK$8,125/mo
▼ 0.25% · 3.875%
HK$154,415
−HK$4,092/mo
Today · 4.125%
HK$158,507
baseline
▲ 0.50% · 4.625%
HK$166,862
+HK$8,355/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$317,014/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,694 · Scale 2, in force from 26 Feb 2026)