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$75,121
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,374/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,572
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,274/mo
Today · 4.125%
HK$88,087
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,174/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,146
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,950
−HK$2,848/mo
Today · 4.125%
HK$95,798
baseline
▲ 0.50% · 4.625%
HK$101,628
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,596/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,286
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,976
−HK$2,728/mo
Today · 4.125%
HK$105,704
baseline
▲ 0.50% · 4.625%
HK$111,276
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,408/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,170
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,441
−HK$3,324/mo
Today · 4.125%
HK$111,765
baseline
▲ 0.50% · 4.625%
HK$118,566
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,530/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,000
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,138
−HK$3,184/mo
Today · 4.125%
HK$123,322
baseline
▲ 0.50% · 4.625%
HK$129,822
+HK$6,500/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,644/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,218
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,424
−HK$4,274/mo
Today · 4.125%
HK$143,698
baseline
▲ 0.50% · 4.625%
HK$152,441
+HK$8,743/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,396/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,429
−HK$8,127/mo
▼ 0.25% · 3.875%
HK$154,464
−HK$4,092/mo
Today · 4.125%
HK$158,556
baseline
▲ 0.50% · 4.625%
HK$166,914
+HK$8,358/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,112/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,131 · Scale 2, in force from 26 Feb 2026)