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$75,177
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,515
−HK$2,376/mo
Today · 4.125%
HK$79,891
baseline
▲ 0.50% · 4.625%
HK$84,752
+HK$4,861/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,782/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,633
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,876
−HK$2,276/mo
Today · 4.125%
HK$88,152
baseline
▲ 0.50% · 4.625%
HK$92,799
+HK$4,647/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,304/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,212
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,018
−HK$2,851/mo
Today · 4.125%
HK$95,869
baseline
▲ 0.50% · 4.625%
HK$101,703
+HK$5,834/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,738/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,360
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,052
−HK$2,730/mo
Today · 4.125%
HK$105,782
baseline
▲ 0.50% · 4.625%
HK$111,358
+HK$5,576/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,564/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,248
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,521
−HK$3,327/mo
Today · 4.125%
HK$111,848
baseline
▲ 0.50% · 4.625%
HK$118,653
+HK$6,805/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,696/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,087
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,227
−HK$3,186/mo
Today · 4.125%
HK$123,413
baseline
▲ 0.50% · 4.625%
HK$129,918
+HK$6,505/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,826/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,318
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$139,527
−HK$4,277/mo
Today · 4.125%
HK$143,804
baseline
▲ 0.50% · 4.625%
HK$152,554
+HK$8,750/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$287,608/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,540
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$154,578
−HK$4,096/mo
Today · 4.125%
HK$158,674
baseline
▲ 0.50% · 4.625%
HK$167,037
+HK$8,363/mo
Deposit HK$3.30M · loan HK$29.67M · min. income ≈ HK$317,348/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,166 · Scale 2, in force from 26 Feb 2026)