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$75,010
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,344
−HK$2,370/mo
Today · 4.125%
HK$79,714
baseline
▲ 0.50% · 4.625%
HK$84,565
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,428/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,448
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,686
−HK$2,271/mo
Today · 4.125%
HK$87,957
baseline
▲ 0.50% · 4.625%
HK$92,593
+HK$4,636/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,914/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,012
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,812
−HK$2,845/mo
Today · 4.125%
HK$95,657
baseline
▲ 0.50% · 4.625%
HK$101,477
+HK$5,820/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,314/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,138
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,824
−HK$2,724/mo
Today · 4.125%
HK$105,548
baseline
▲ 0.50% · 4.625%
HK$111,112
+HK$5,564/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,096/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,014
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,281
−HK$3,319/mo
Today · 4.125%
HK$111,600
baseline
▲ 0.50% · 4.625%
HK$118,390
+HK$6,790/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,200/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,828
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,961
−HK$3,178/mo
Today · 4.125%
HK$123,139
baseline
▲ 0.50% · 4.625%
HK$129,630
+HK$6,491/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,278/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,019
−HK$8,466/mo
▼ 0.25% · 3.875%
HK$139,218
−HK$4,267/mo
Today · 4.125%
HK$143,485
baseline
▲ 0.50% · 4.625%
HK$152,216
+HK$8,731/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$286,970/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,207
−HK$8,115/mo
▼ 0.25% · 3.875%
HK$154,235
−HK$4,087/mo
Today · 4.125%
HK$158,322
baseline
▲ 0.50% · 4.625%
HK$166,667
+HK$8,345/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,644/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,062 · Scale 2, in force from 26 Feb 2026)