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$75,060
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,394
−HK$2,372/mo
Today · 4.125%
HK$79,766
baseline
▲ 0.50% · 4.625%
HK$84,620
+HK$4,854/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,532/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,503
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,742
−HK$2,272/mo
Today · 4.125%
HK$88,014
baseline
▲ 0.50% · 4.625%
HK$92,654
+HK$4,640/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,028/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,071
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,873
−HK$2,847/mo
Today · 4.125%
HK$95,720
baseline
▲ 0.50% · 4.625%
HK$101,544
+HK$5,824/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,440/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,204
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,891
−HK$2,726/mo
Today · 4.125%
HK$105,617
baseline
▲ 0.50% · 4.625%
HK$111,184
+HK$5,567/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,234/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,083
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,352
−HK$3,321/mo
Today · 4.125%
HK$111,673
baseline
▲ 0.50% · 4.625%
HK$118,468
+HK$6,795/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$223,346/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,904
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,039
−HK$3,181/mo
Today · 4.125%
HK$123,220
baseline
▲ 0.50% · 4.625%
HK$129,715
+HK$6,495/mo
Deposit HK$9.88M · loan HK$23.04M · min. income ≈ HK$246,440/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,107
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,310
−HK$4,270/mo
Today · 4.125%
HK$143,580
baseline
▲ 0.50% · 4.625%
HK$152,316
+HK$8,736/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,160/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,305
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,336
−HK$4,090/mo
Today · 4.125%
HK$158,426
baseline
▲ 0.50% · 4.625%
HK$166,777
+HK$8,351/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,852/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,979 · Scale 2, in force from 26 Feb 2026)