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$75,123
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,460
−HK$2,374/mo
Today · 4.125%
HK$79,834
baseline
▲ 0.50% · 4.625%
HK$84,691
+HK$4,857/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,668/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,573
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,815
−HK$2,274/mo
Today · 4.125%
HK$88,089
baseline
▲ 0.50% · 4.625%
HK$92,732
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,178/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,147
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,952
−HK$2,848/mo
Today · 4.125%
HK$95,800
baseline
▲ 0.50% · 4.625%
HK$101,630
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,600/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,288
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,978
−HK$2,728/mo
Today · 4.125%
HK$105,706
baseline
▲ 0.50% · 4.625%
HK$111,278
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,412/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,172
−HK$6,595/mo
▼ 0.25% · 3.875%
HK$108,443
−HK$3,324/mo
Today · 4.125%
HK$111,767
baseline
▲ 0.50% · 4.625%
HK$118,568
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,534/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,003
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,141
−HK$3,183/mo
Today · 4.125%
HK$123,324
baseline
▲ 0.50% · 4.625%
HK$129,825
+HK$6,501/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,648/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,221
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,427
−HK$4,274/mo
Today · 4.125%
HK$143,701
baseline
▲ 0.50% · 4.625%
HK$152,445
+HK$8,744/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,402/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,432
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,467
−HK$4,093/mo
Today · 4.125%
HK$158,560
baseline
▲ 0.50% · 4.625%
HK$166,917
+HK$8,357/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,120/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,160 · Scale 2, in force from 26 Feb 2026)