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$75,127
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,464
−HK$2,374/mo
Today · 4.125%
HK$79,838
baseline
▲ 0.50% · 4.625%
HK$84,696
+HK$4,858/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,676/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,578
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,820
−HK$2,274/mo
Today · 4.125%
HK$88,094
baseline
▲ 0.50% · 4.625%
HK$92,737
+HK$4,643/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,188/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,153
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,957
−HK$2,849/mo
Today · 4.125%
HK$95,806
baseline
▲ 0.50% · 4.625%
HK$101,636
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,612/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,294
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,984
−HK$2,729/mo
Today · 4.125%
HK$105,713
baseline
▲ 0.50% · 4.625%
HK$111,285
+HK$5,572/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,426/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,178
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,450
−HK$3,324/mo
Today · 4.125%
HK$111,774
baseline
▲ 0.50% · 4.625%
HK$118,575
+HK$6,801/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$223,548/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,010
−HK$6,321/mo
▼ 0.25% · 3.875%
HK$120,148
−HK$3,183/mo
Today · 4.125%
HK$123,331
baseline
▲ 0.50% · 4.625%
HK$129,832
+HK$6,501/mo
Deposit HK$9.88M · loan HK$23.06M · min. income ≈ HK$246,662/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,229
−HK$8,480/mo
▼ 0.25% · 3.875%
HK$139,436
−HK$4,273/mo
Today · 4.125%
HK$143,709
baseline
▲ 0.50% · 4.625%
HK$152,454
+HK$8,745/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$287,418/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,441
−HK$8,128/mo
▼ 0.25% · 3.875%
HK$154,476
−HK$4,093/mo
Today · 4.125%
HK$158,569
baseline
▲ 0.50% · 4.625%
HK$166,927
+HK$8,358/mo
Deposit HK$3.29M · loan HK$29.65M · min. income ≈ HK$317,138/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,400,242 · Scale 2, in force from 26 Feb 2026)