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$75,024
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,357
−HK$2,371/mo
Today · 4.125%
HK$79,728
baseline
▲ 0.50% · 4.625%
HK$84,580
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,456/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,463
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,702
−HK$2,270/mo
Today · 4.125%
HK$87,972
baseline
▲ 0.50% · 4.625%
HK$92,610
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,944/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,028
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,829
−HK$2,845/mo
Today · 4.125%
HK$95,674
baseline
▲ 0.50% · 4.625%
HK$101,496
+HK$5,822/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,348/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,156
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,842
−HK$2,725/mo
Today · 4.125%
HK$105,567
baseline
▲ 0.50% · 4.625%
HK$111,131
+HK$5,564/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,134/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,033
−HK$6,587/mo
▼ 0.25% · 3.875%
HK$108,300
−HK$3,320/mo
Today · 4.125%
HK$111,620
baseline
▲ 0.50% · 4.625%
HK$118,412
+HK$6,792/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,240/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,848
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,982
−HK$3,179/mo
Today · 4.125%
HK$123,161
baseline
▲ 0.50% · 4.625%
HK$129,653
+HK$6,492/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,322/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,043
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,243
−HK$4,268/mo
Today · 4.125%
HK$143,511
baseline
▲ 0.50% · 4.625%
HK$152,243
+HK$8,732/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,022/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,234
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$154,263
−HK$4,087/mo
Today · 4.125%
HK$158,350
baseline
▲ 0.50% · 4.625%
HK$166,697
+HK$8,347/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,700/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,312 · Scale 2, in force from 26 Feb 2026)