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$75,133
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,470
−HK$2,375/mo
Today · 4.125%
HK$79,845
baseline
▲ 0.50% · 4.625%
HK$84,703
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,690/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,585
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,827
−HK$2,274/mo
Today · 4.125%
HK$88,101
baseline
▲ 0.50% · 4.625%
HK$92,745
+HK$4,644/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,202/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,160
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,964
−HK$2,850/mo
Today · 4.125%
HK$95,814
baseline
▲ 0.50% · 4.625%
HK$101,644
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,628/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,302
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,992
−HK$2,729/mo
Today · 4.125%
HK$105,721
baseline
▲ 0.50% · 4.625%
HK$111,294
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,442/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,187
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,459
−HK$3,324/mo
Today · 4.125%
HK$111,783
baseline
▲ 0.50% · 4.625%
HK$118,585
+HK$6,802/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,566/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,019
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,157
−HK$3,184/mo
Today · 4.125%
HK$123,341
baseline
▲ 0.50% · 4.625%
HK$129,843
+HK$6,502/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,682/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,240
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,447
−HK$4,274/mo
Today · 4.125%
HK$143,721
baseline
▲ 0.50% · 4.625%
HK$152,466
+HK$8,745/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,442/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,453
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,488
−HK$4,094/mo
Today · 4.125%
HK$158,582
baseline
▲ 0.50% · 4.625%
HK$166,941
+HK$8,359/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,164/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,355 · Scale 2, in force from 26 Feb 2026)