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$75,038
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,372
−HK$2,371/mo
Today · 4.125%
HK$79,743
baseline
▲ 0.50% · 4.625%
HK$84,596
+HK$4,853/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,486/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,479
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,718
−HK$2,271/mo
Today · 4.125%
HK$87,989
baseline
▲ 0.50% · 4.625%
HK$92,627
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,978/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,045
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,846
−HK$2,846/mo
Today · 4.125%
HK$95,692
baseline
▲ 0.50% · 4.625%
HK$101,515
+HK$5,823/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,384/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,175
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,861
−HK$2,726/mo
Today · 4.125%
HK$105,587
baseline
▲ 0.50% · 4.625%
HK$111,152
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,174/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,053
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,321
−HK$3,320/mo
Today · 4.125%
HK$111,641
baseline
▲ 0.50% · 4.625%
HK$118,434
+HK$6,793/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,282/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,870
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,005
−HK$3,180/mo
Today · 4.125%
HK$123,185
baseline
▲ 0.50% · 4.625%
HK$129,678
+HK$6,493/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,370/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,068
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,270
−HK$4,268/mo
Today · 4.125%
HK$143,538
baseline
▲ 0.50% · 4.625%
HK$152,272
+HK$8,734/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,076/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,262
−HK$8,118/mo
▼ 0.25% · 3.875%
HK$154,292
−HK$4,088/mo
Today · 4.125%
HK$158,380
baseline
▲ 0.50% · 4.625%
HK$166,729
+HK$8,349/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,760/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,576 · Scale 2, in force from 26 Feb 2026)