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$75,188
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,526
−HK$2,376/mo
Today · 4.125%
HK$79,902
baseline
▲ 0.50% · 4.625%
HK$84,764
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,804/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,645
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,889
−HK$2,276/mo
Today · 4.125%
HK$88,165
baseline
▲ 0.50% · 4.625%
HK$92,812
+HK$4,647/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,330/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,225
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,032
−HK$2,851/mo
Today · 4.125%
HK$95,883
baseline
▲ 0.50% · 4.625%
HK$101,717
+HK$5,834/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$191,766/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,374
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,066
−HK$2,731/mo
Today · 4.125%
HK$105,797
baseline
▲ 0.50% · 4.625%
HK$111,374
+HK$5,577/mo
Deposit HK$13.19M · loan HK$19.78M · min. income ≈ HK$211,594/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,263
−HK$6,600/mo
▼ 0.25% · 3.875%
HK$108,537
−HK$3,326/mo
Today · 4.125%
HK$111,863
baseline
▲ 0.50% · 4.625%
HK$118,670
+HK$6,807/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,726/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,104
−HK$6,326/mo
▼ 0.25% · 3.875%
HK$120,244
−HK$3,186/mo
Today · 4.125%
HK$123,430
baseline
▲ 0.50% · 4.625%
HK$129,936
+HK$6,506/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,860/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,338
−HK$8,486/mo
▼ 0.25% · 3.875%
HK$139,547
−HK$4,277/mo
Today · 4.125%
HK$143,824
baseline
▲ 0.50% · 4.625%
HK$152,576
+HK$8,752/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,648/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,562
−HK$8,134/mo
▼ 0.25% · 3.875%
HK$154,600
−HK$4,096/mo
Today · 4.125%
HK$158,696
baseline
▲ 0.50% · 4.625%
HK$167,061
+HK$8,365/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,392/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,365 · Scale 2, in force from 26 Feb 2026)