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$75,019
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,352
−HK$2,371/mo
Today · 4.125%
HK$79,723
baseline
▲ 0.50% · 4.625%
HK$84,574
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,446/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,457
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,696
−HK$2,270/mo
Today · 4.125%
HK$87,966
baseline
▲ 0.50% · 4.625%
HK$92,603
+HK$4,637/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,932/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,022
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,823
−HK$2,845/mo
Today · 4.125%
HK$95,668
baseline
▲ 0.50% · 4.625%
HK$101,489
+HK$5,821/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,336/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,149
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,835
−HK$2,725/mo
Today · 4.125%
HK$105,560
baseline
▲ 0.50% · 4.625%
HK$111,124
+HK$5,564/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,120/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,026
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,293
−HK$3,319/mo
Today · 4.125%
HK$111,612
baseline
▲ 0.50% · 4.625%
HK$118,403
+HK$6,791/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,224/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,840
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,974
−HK$3,179/mo
Today · 4.125%
HK$123,153
baseline
▲ 0.50% · 4.625%
HK$129,644
+HK$6,491/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,306/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,033
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,234
−HK$4,267/mo
Today · 4.125%
HK$143,501
baseline
▲ 0.50% · 4.625%
HK$152,233
+HK$8,732/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,002/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,223
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$154,252
−HK$4,087/mo
Today · 4.125%
HK$158,339
baseline
▲ 0.50% · 4.625%
HK$166,686
+HK$8,347/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,678/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,216 · Scale 2, in force from 26 Feb 2026)