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$75,047
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,382
−HK$2,371/mo
Today · 4.125%
HK$79,753
baseline
▲ 0.50% · 4.625%
HK$84,606
+HK$4,853/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,506/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,489
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,729
−HK$2,271/mo
Today · 4.125%
HK$88,000
baseline
▲ 0.50% · 4.625%
HK$92,639
+HK$4,639/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,000/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,057
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,858
−HK$2,846/mo
Today · 4.125%
HK$95,704
baseline
▲ 0.50% · 4.625%
HK$101,528
+HK$5,824/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$191,408/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,187
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,874
−HK$2,726/mo
Today · 4.125%
HK$105,600
baseline
▲ 0.50% · 4.625%
HK$111,166
+HK$5,566/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$211,200/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,066
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,334
−HK$3,321/mo
Today · 4.125%
HK$111,655
baseline
▲ 0.50% · 4.625%
HK$118,449
+HK$6,794/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,310/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,885
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,020
−HK$3,180/mo
Today · 4.125%
HK$123,200
baseline
▲ 0.50% · 4.625%
HK$129,694
+HK$6,494/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,400/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,085
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$139,287
−HK$4,269/mo
Today · 4.125%
HK$143,556
baseline
▲ 0.50% · 4.625%
HK$152,291
+HK$8,735/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,112/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,281
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,311
−HK$4,089/mo
Today · 4.125%
HK$158,400
baseline
▲ 0.50% · 4.625%
HK$166,750
+HK$8,350/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,800/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,752 · Scale 2, in force from 26 Feb 2026)