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$75,003
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,336
−HK$2,371/mo
Today · 4.125%
HK$79,707
baseline
▲ 0.50% · 4.625%
HK$84,557
+HK$4,850/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,414/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,440
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,678
−HK$2,270/mo
Today · 4.125%
HK$87,948
baseline
▲ 0.50% · 4.625%
HK$92,584
+HK$4,636/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,896/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,004
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,804
−HK$2,844/mo
Today · 4.125%
HK$95,648
baseline
▲ 0.50% · 4.625%
HK$101,468
+HK$5,820/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,296/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,128
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,814
−HK$2,724/mo
Today · 4.125%
HK$105,538
baseline
▲ 0.50% · 4.625%
HK$111,101
+HK$5,563/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,076/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,005
−HK$6,584/mo
▼ 0.25% · 3.875%
HK$108,271
−HK$3,318/mo
Today · 4.125%
HK$111,589
baseline
▲ 0.50% · 4.625%
HK$118,379
+HK$6,790/mo
Deposit HK$9.87M · loan HK$23.02M · min. income ≈ HK$223,178/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,817
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,950
−HK$3,178/mo
Today · 4.125%
HK$123,128
baseline
▲ 0.50% · 4.625%
HK$129,618
+HK$6,490/mo
Deposit HK$9.87M · loan HK$23.02M · min. income ≈ HK$246,256/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,006
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,205
−HK$4,267/mo
Today · 4.125%
HK$143,472
baseline
▲ 0.50% · 4.625%
HK$152,202
+HK$8,730/mo
Deposit HK$3.29M · loan HK$29.60M · min. income ≈ HK$286,944/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,193
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,221
−HK$4,086/mo
Today · 4.125%
HK$158,307
baseline
▲ 0.50% · 4.625%
HK$166,652
+HK$8,345/mo
Deposit HK$3.29M · loan HK$29.60M · min. income ≈ HK$316,614/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,931 · Scale 2, in force from 26 Feb 2026)