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$75,049
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,383
−HK$2,372/mo
Today · 4.125%
HK$79,755
baseline
▲ 0.50% · 4.625%
HK$84,608
+HK$4,853/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,510/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,491
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,730
−HK$2,272/mo
Today · 4.125%
HK$88,002
baseline
▲ 0.50% · 4.625%
HK$92,640
+HK$4,638/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,004/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,058
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,860
−HK$2,846/mo
Today · 4.125%
HK$95,706
baseline
▲ 0.50% · 4.625%
HK$101,529
+HK$5,823/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$191,412/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,189
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,876
−HK$2,726/mo
Today · 4.125%
HK$105,602
baseline
▲ 0.50% · 4.625%
HK$111,168
+HK$5,566/mo
Deposit HK$13.16M · loan HK$19.75M · min. income ≈ HK$211,204/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,068
−HK$6,589/mo
▼ 0.25% · 3.875%
HK$108,336
−HK$3,321/mo
Today · 4.125%
HK$111,657
baseline
▲ 0.50% · 4.625%
HK$118,451
+HK$6,794/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$223,314/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,887
−HK$6,315/mo
▼ 0.25% · 3.875%
HK$120,022
−HK$3,180/mo
Today · 4.125%
HK$123,202
baseline
▲ 0.50% · 4.625%
HK$129,696
+HK$6,494/mo
Deposit HK$9.87M · loan HK$23.04M · min. income ≈ HK$246,404/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,088
−HK$8,471/mo
▼ 0.25% · 3.875%
HK$139,290
−HK$4,269/mo
Today · 4.125%
HK$143,559
baseline
▲ 0.50% · 4.625%
HK$152,294
+HK$8,735/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$287,118/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,284
−HK$8,119/mo
▼ 0.25% · 3.875%
HK$154,314
−HK$4,089/mo
Today · 4.125%
HK$158,403
baseline
▲ 0.50% · 4.625%
HK$166,752
+HK$8,349/mo
Deposit HK$3.29M · loan HK$29.62M · min. income ≈ HK$316,806/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,776 · Scale 2, in force from 26 Feb 2026)