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$75,152
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,490
−HK$2,375/mo
Today · 4.125%
HK$79,865
baseline
▲ 0.50% · 4.625%
HK$84,724
+HK$4,859/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,730/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,606
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,848
−HK$2,275/mo
Today · 4.125%
HK$88,123
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$4,645/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,246/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,182
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,988
−HK$2,850/mo
Today · 4.125%
HK$95,838
baseline
▲ 0.50% · 4.625%
HK$101,669
+HK$5,831/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,676/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,327
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,018
−HK$2,729/mo
Today · 4.125%
HK$105,747
baseline
▲ 0.50% · 4.625%
HK$111,322
+HK$5,575/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,494/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,213
−HK$6,598/mo
▼ 0.25% · 3.875%
HK$108,486
−HK$3,325/mo
Today · 4.125%
HK$111,811
baseline
▲ 0.50% · 4.625%
HK$118,614
+HK$6,803/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,622/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,048
−HK$6,324/mo
▼ 0.25% · 3.875%
HK$120,187
−HK$3,185/mo
Today · 4.125%
HK$123,372
baseline
▲ 0.50% · 4.625%
HK$129,875
+HK$6,503/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,744/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,274
−HK$8,483/mo
▼ 0.25% · 3.875%
HK$139,482
−HK$4,275/mo
Today · 4.125%
HK$143,757
baseline
▲ 0.50% · 4.625%
HK$152,504
+HK$8,747/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,514/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,491
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,527
−HK$4,094/mo
Today · 4.125%
HK$158,621
baseline
▲ 0.50% · 4.625%
HK$166,982
+HK$8,361/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,242/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,704 · Scale 2, in force from 26 Feb 2026)