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$75,274
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$77,615
−HK$2,379/mo
Today · 4.125%
HK$79,994
baseline
▲ 0.50% · 4.625%
HK$84,862
+HK$4,868/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$159,988/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,742
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$85,987
−HK$2,279/mo
Today · 4.125%
HK$88,266
baseline
▲ 0.50% · 4.625%
HK$92,918
+HK$4,652/mo
Deposit HK$16.51M · loan HK$16.51M · min. income ≈ HK$176,532/mo (50% DSR)
Upfront cash ≈ HK$17.91M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,329
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,139
−HK$2,854/mo
Today · 4.125%
HK$95,993
baseline
▲ 0.50% · 4.625%
HK$101,834
+HK$5,841/mo
Deposit HK$13.20M · loan HK$19.81M · min. income ≈ HK$191,986/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,490
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,185
−HK$2,734/mo
Today · 4.125%
HK$105,919
baseline
▲ 0.50% · 4.625%
HK$111,502
+HK$5,583/mo
Deposit HK$13.20M · loan HK$19.81M · min. income ≈ HK$211,838/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,384
−HK$6,608/mo
▼ 0.25% · 3.875%
HK$108,662
−HK$3,330/mo
Today · 4.125%
HK$111,992
baseline
▲ 0.50% · 4.625%
HK$118,807
+HK$6,815/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$223,984/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,238
−HK$6,334/mo
▼ 0.25% · 3.875%
HK$120,382
−HK$3,190/mo
Today · 4.125%
HK$123,572
baseline
▲ 0.50% · 4.625%
HK$130,086
+HK$6,514/mo
Deposit HK$9.90M · loan HK$23.11M · min. income ≈ HK$247,144/mo (50% DSR)
Upfront cash ≈ HK$11.31M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,493
−HK$8,497/mo
▼ 0.25% · 3.875%
HK$139,708
−HK$4,282/mo
Today · 4.125%
HK$143,990
baseline
▲ 0.50% · 4.625%
HK$152,751
+HK$8,761/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$287,980/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,735
−HK$8,144/mo
▼ 0.25% · 3.875%
HK$154,777
−HK$4,102/mo
Today · 4.125%
HK$158,879
baseline
▲ 0.50% · 4.625%
HK$167,253
+HK$8,374/mo
Deposit HK$3.30M · loan HK$29.71M · min. income ≈ HK$317,758/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,402,977 · Scale 2, in force from 26 Feb 2026)