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$74,959
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,290
−HK$2,369/mo
Today · 4.125%
HK$79,659
baseline
▲ 0.50% · 4.625%
HK$84,506
+HK$4,847/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$159,318/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,391
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,627
−HK$2,269/mo
Today · 4.125%
HK$87,896
baseline
▲ 0.50% · 4.625%
HK$92,529
+HK$4,633/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$175,792/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,951
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,749
−HK$2,842/mo
Today · 4.125%
HK$95,591
baseline
▲ 0.50% · 4.625%
HK$101,408
+HK$5,817/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,182/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,069
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,753
−HK$2,723/mo
Today · 4.125%
HK$105,476
baseline
▲ 0.50% · 4.625%
HK$111,035
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,952/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,942
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,207
−HK$3,316/mo
Today · 4.125%
HK$111,523
baseline
▲ 0.50% · 4.625%
HK$118,309
+HK$6,786/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,046/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,747
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,878
−HK$3,177/mo
Today · 4.125%
HK$123,055
baseline
▲ 0.50% · 4.625%
HK$129,541
+HK$6,486/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,110/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,926
−HK$8,461/mo
▼ 0.25% · 3.875%
HK$139,123
−HK$4,264/mo
Today · 4.125%
HK$143,387
baseline
▲ 0.50% · 4.625%
HK$152,112
+HK$8,725/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$286,774/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,104
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,129
−HK$4,084/mo
Today · 4.125%
HK$158,213
baseline
▲ 0.50% · 4.625%
HK$166,553
+HK$8,340/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$316,426/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,102 · Scale 2, in force from 26 Feb 2026)