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$75,144
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,481
−HK$2,375/mo
Today · 4.125%
HK$79,856
baseline
▲ 0.50% · 4.625%
HK$84,715
+HK$4,859/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,712/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,597
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,839
−HK$2,274/mo
Today · 4.125%
HK$88,113
baseline
▲ 0.50% · 4.625%
HK$92,758
+HK$4,645/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,226/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,172
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,977
−HK$2,850/mo
Today · 4.125%
HK$95,827
baseline
▲ 0.50% · 4.625%
HK$101,658
+HK$5,831/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,654/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,316
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,006
−HK$2,730/mo
Today · 4.125%
HK$105,736
baseline
▲ 0.50% · 4.625%
HK$111,309
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,472/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,201
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,473
−HK$3,325/mo
Today · 4.125%
HK$111,798
baseline
▲ 0.50% · 4.625%
HK$118,601
+HK$6,803/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,596/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,035
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,174
−HK$3,184/mo
Today · 4.125%
HK$123,358
baseline
▲ 0.50% · 4.625%
HK$129,861
+HK$6,503/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,716/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,259
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,466
−HK$4,274/mo
Today · 4.125%
HK$143,740
baseline
▲ 0.50% · 4.625%
HK$152,487
+HK$8,747/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,480/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,474
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,509
−HK$4,094/mo
Today · 4.125%
HK$158,603
baseline
▲ 0.50% · 4.625%
HK$166,964
+HK$8,361/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,206/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,546 · Scale 2, in force from 26 Feb 2026)