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$75,058
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,393
−HK$2,372/mo
Today · 4.125%
HK$79,765
baseline
▲ 0.50% · 4.625%
HK$84,618
+HK$4,853/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,530/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,501
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,741
−HK$2,272/mo
Today · 4.125%
HK$88,013
baseline
▲ 0.50% · 4.625%
HK$92,652
+HK$4,639/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,026/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,070
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,871
−HK$2,847/mo
Today · 4.125%
HK$95,718
baseline
▲ 0.50% · 4.625%
HK$101,542
+HK$5,824/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,436/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,202
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,889
−HK$2,726/mo
Today · 4.125%
HK$105,615
baseline
▲ 0.50% · 4.625%
HK$111,182
+HK$5,567/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,230/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,081
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,350
−HK$3,321/mo
Today · 4.125%
HK$111,671
baseline
▲ 0.50% · 4.625%
HK$118,466
+HK$6,795/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,342/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,902
−HK$6,316/mo
▼ 0.25% · 3.875%
HK$120,037
−HK$3,181/mo
Today · 4.125%
HK$123,218
baseline
▲ 0.50% · 4.625%
HK$129,713
+HK$6,495/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,436/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,104
−HK$8,473/mo
▼ 0.25% · 3.875%
HK$139,307
−HK$4,270/mo
Today · 4.125%
HK$143,577
baseline
▲ 0.50% · 4.625%
HK$152,313
+HK$8,736/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,154/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,302
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,333
−HK$4,090/mo
Today · 4.125%
HK$158,423
baseline
▲ 0.50% · 4.625%
HK$166,773
+HK$8,350/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,846/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,951 · Scale 2, in force from 26 Feb 2026)