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$75,037
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,372
−HK$2,371/mo
Today · 4.125%
HK$79,743
baseline
▲ 0.50% · 4.625%
HK$84,595
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,486/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,478
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,717
−HK$2,271/mo
Today · 4.125%
HK$87,988
baseline
▲ 0.50% · 4.625%
HK$92,626
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,976/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,045
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,846
−HK$2,846/mo
Today · 4.125%
HK$95,692
baseline
▲ 0.50% · 4.625%
HK$101,514
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,384/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,174
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,861
−HK$2,725/mo
Today · 4.125%
HK$105,586
baseline
▲ 0.50% · 4.625%
HK$111,152
+HK$5,566/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,172/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,052
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,320
−HK$3,320/mo
Today · 4.125%
HK$111,640
baseline
▲ 0.50% · 4.625%
HK$118,433
+HK$6,793/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,280/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,870
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,004
−HK$3,180/mo
Today · 4.125%
HK$123,184
baseline
▲ 0.50% · 4.625%
HK$129,677
+HK$6,493/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,368/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,067
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,269
−HK$4,268/mo
Today · 4.125%
HK$143,537
baseline
▲ 0.50% · 4.625%
HK$152,271
+HK$8,734/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,074/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,261
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,291
−HK$4,088/mo
Today · 4.125%
HK$158,379
baseline
▲ 0.50% · 4.625%
HK$166,728
+HK$8,349/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,758/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,567 · Scale 2, in force from 26 Feb 2026)