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$75,142
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,479
−HK$2,375/mo
Today · 4.125%
HK$79,854
baseline
▲ 0.50% · 4.625%
HK$84,712
+HK$4,858/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,708/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,594
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,836
−HK$2,275/mo
Today · 4.125%
HK$88,111
baseline
▲ 0.50% · 4.625%
HK$92,755
+HK$4,644/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,222/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,170
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,975
−HK$2,849/mo
Today · 4.125%
HK$95,824
baseline
▲ 0.50% · 4.625%
HK$101,655
+HK$5,831/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,648/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,313
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,003
−HK$2,730/mo
Today · 4.125%
HK$105,733
baseline
▲ 0.50% · 4.625%
HK$111,306
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,466/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,198
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,470
−HK$3,325/mo
Today · 4.125%
HK$111,795
baseline
▲ 0.50% · 4.625%
HK$118,597
+HK$6,802/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,590/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,032
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,171
−HK$3,184/mo
Today · 4.125%
HK$123,355
baseline
▲ 0.50% · 4.625%
HK$129,857
+HK$6,502/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,710/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,255
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,462
−HK$4,274/mo
Today · 4.125%
HK$143,736
baseline
▲ 0.50% · 4.625%
HK$152,482
+HK$8,746/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,472/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,470
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,505
−HK$4,094/mo
Today · 4.125%
HK$158,599
baseline
▲ 0.50% · 4.625%
HK$166,959
+HK$8,360/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,198/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,507 · Scale 2, in force from 26 Feb 2026)