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$75,043
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,377
−HK$2,372/mo
Today · 4.125%
HK$79,749
baseline
▲ 0.50% · 4.625%
HK$84,601
+HK$4,852/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,498/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,485
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,724
−HK$2,271/mo
Today · 4.125%
HK$87,995
baseline
▲ 0.50% · 4.625%
HK$92,633
+HK$4,638/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,990/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,052
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,853
−HK$2,846/mo
Today · 4.125%
HK$95,699
baseline
▲ 0.50% · 4.625%
HK$101,522
+HK$5,823/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$191,398/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,182
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,868
−HK$2,726/mo
Today · 4.125%
HK$105,594
baseline
▲ 0.50% · 4.625%
HK$111,160
+HK$5,566/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$211,188/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,060
−HK$6,588/mo
▼ 0.25% · 3.875%
HK$108,328
−HK$3,320/mo
Today · 4.125%
HK$111,648
baseline
▲ 0.50% · 4.625%
HK$118,442
+HK$6,794/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,296/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,879
−HK$6,314/mo
▼ 0.25% · 3.875%
HK$120,013
−HK$3,180/mo
Today · 4.125%
HK$123,193
baseline
▲ 0.50% · 4.625%
HK$129,687
+HK$6,494/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,386/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,078
−HK$8,470/mo
▼ 0.25% · 3.875%
HK$139,279
−HK$4,269/mo
Today · 4.125%
HK$143,548
baseline
▲ 0.50% · 4.625%
HK$152,283
+HK$8,735/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,096/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,272
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,303
−HK$4,088/mo
Today · 4.125%
HK$158,391
baseline
▲ 0.50% · 4.625%
HK$166,740
+HK$8,349/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,782/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,672 · Scale 2, in force from 26 Feb 2026)