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$75,208
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,547
−HK$2,377/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,787
+HK$4,863/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,668
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,912
−HK$2,276/mo
Today · 4.125%
HK$88,188
baseline
▲ 0.50% · 4.625%
HK$92,837
+HK$4,649/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,376/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,249
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,056
−HK$2,853/mo
Today · 4.125%
HK$95,909
baseline
▲ 0.50% · 4.625%
HK$101,744
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,818/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,401
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,094
−HK$2,732/mo
Today · 4.125%
HK$105,826
baseline
▲ 0.50% · 4.625%
HK$111,404
+HK$5,578/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,652/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,291
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,566
−HK$3,327/mo
Today · 4.125%
HK$111,893
baseline
▲ 0.50% · 4.625%
HK$118,702
+HK$6,809/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$223,786/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,135
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,276
−HK$3,187/mo
Today · 4.125%
HK$123,463
baseline
▲ 0.50% · 4.625%
HK$129,971
+HK$6,508/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$246,926/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,374
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,585
−HK$4,278/mo
Today · 4.125%
HK$143,863
baseline
▲ 0.50% · 4.625%
HK$152,617
+HK$8,754/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,726/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,602
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,641
−HK$4,097/mo
Today · 4.125%
HK$158,738
baseline
▲ 0.50% · 4.625%
HK$167,106
+HK$8,368/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,476/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,739 · Scale 2, in force from 26 Feb 2026)