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$75,084
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,419
−HK$2,373/mo
Today · 4.125%
HK$79,792
baseline
▲ 0.50% · 4.625%
HK$84,647
+HK$4,855/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,584/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,530
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,770
−HK$2,273/mo
Today · 4.125%
HK$88,043
baseline
▲ 0.50% · 4.625%
HK$92,684
+HK$4,641/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,086/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,100
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,903
−HK$2,847/mo
Today · 4.125%
HK$95,750
baseline
▲ 0.50% · 4.625%
HK$101,577
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,500/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,236
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,924
−HK$2,727/mo
Today · 4.125%
HK$105,651
baseline
▲ 0.50% · 4.625%
HK$111,220
+HK$5,569/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,302/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,117
−HK$6,592/mo
▼ 0.25% · 3.875%
HK$108,387
−HK$3,322/mo
Today · 4.125%
HK$111,709
baseline
▲ 0.50% · 4.625%
HK$118,506
+HK$6,797/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,418/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,942
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,078
−HK$3,182/mo
Today · 4.125%
HK$123,260
baseline
▲ 0.50% · 4.625%
HK$129,757
+HK$6,497/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,520/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,151
−HK$8,475/mo
▼ 0.25% · 3.875%
HK$139,355
−HK$4,271/mo
Today · 4.125%
HK$143,626
baseline
▲ 0.50% · 4.625%
HK$152,365
+HK$8,739/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,252/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,354
−HK$8,123/mo
▼ 0.25% · 3.875%
HK$154,386
−HK$4,091/mo
Today · 4.125%
HK$158,477
baseline
▲ 0.50% · 4.625%
HK$166,830
+HK$8,353/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,954/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,429 · Scale 2, in force from 26 Feb 2026)