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$75,131
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,468
−HK$2,375/mo
Today · 4.125%
HK$79,843
baseline
▲ 0.50% · 4.625%
HK$84,701
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,686/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,583
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,824
−HK$2,275/mo
Today · 4.125%
HK$88,099
baseline
▲ 0.50% · 4.625%
HK$92,742
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,198/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,158
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,962
−HK$2,849/mo
Today · 4.125%
HK$95,811
baseline
▲ 0.50% · 4.625%
HK$101,641
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,622/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,299
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,989
−HK$2,729/mo
Today · 4.125%
HK$105,718
baseline
▲ 0.50% · 4.625%
HK$111,291
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,436/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,184
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,456
−HK$3,324/mo
Today · 4.125%
HK$111,780
baseline
▲ 0.50% · 4.625%
HK$118,581
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,560/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,016
−HK$6,322/mo
▼ 0.25% · 3.875%
HK$120,154
−HK$3,184/mo
Today · 4.125%
HK$123,338
baseline
▲ 0.50% · 4.625%
HK$129,839
+HK$6,501/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,676/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,236
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,443
−HK$4,274/mo
Today · 4.125%
HK$143,717
baseline
▲ 0.50% · 4.625%
HK$152,462
+HK$8,745/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,434/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,449
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,484
−HK$4,093/mo
Today · 4.125%
HK$158,577
baseline
▲ 0.50% · 4.625%
HK$166,936
+HK$8,359/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,154/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,317 · Scale 2, in force from 26 Feb 2026)