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$75,198
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,537
−HK$2,377/mo
Today · 4.125%
HK$79,914
baseline
▲ 0.50% · 4.625%
HK$84,776
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,828/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,657
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,901
−HK$2,276/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$92,825
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,238
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,045
−HK$2,851/mo
Today · 4.125%
HK$95,896
baseline
▲ 0.50% · 4.625%
HK$101,732
+HK$5,836/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,792/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,389
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,081
−HK$2,731/mo
Today · 4.125%
HK$105,812
baseline
▲ 0.50% · 4.625%
HK$111,390
+HK$5,578/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,624/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,277
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,552
−HK$3,327/mo
Today · 4.125%
HK$111,879
baseline
▲ 0.50% · 4.625%
HK$118,687
+HK$6,808/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,758/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,120
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,261
−HK$3,187/mo
Today · 4.125%
HK$123,448
baseline
▲ 0.50% · 4.625%
HK$129,955
+HK$6,507/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,896/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,357
−HK$8,488/mo
▼ 0.25% · 3.875%
HK$139,567
−HK$4,278/mo
Today · 4.125%
HK$143,845
baseline
▲ 0.50% · 4.625%
HK$152,597
+HK$8,752/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,690/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,583
−HK$8,135/mo
▼ 0.25% · 3.875%
HK$154,621
−HK$4,097/mo
Today · 4.125%
HK$158,718
baseline
▲ 0.50% · 4.625%
HK$167,085
+HK$8,367/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,436/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,563 · Scale 2, in force from 26 Feb 2026)