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$75,017
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,351
−HK$2,370/mo
Today · 4.125%
HK$79,721
baseline
▲ 0.50% · 4.625%
HK$84,572
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,442/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,456
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,694
−HK$2,271/mo
Today · 4.125%
HK$87,965
baseline
▲ 0.50% · 4.625%
HK$92,601
+HK$4,636/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,930/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,021
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,821
−HK$2,845/mo
Today · 4.125%
HK$95,666
baseline
▲ 0.50% · 4.625%
HK$101,487
+HK$5,821/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,332/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,147
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,833
−HK$2,725/mo
Today · 4.125%
HK$105,558
baseline
▲ 0.50% · 4.625%
HK$111,122
+HK$5,564/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,116/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,024
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,291
−HK$3,319/mo
Today · 4.125%
HK$111,610
baseline
▲ 0.50% · 4.625%
HK$118,401
+HK$6,791/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,220/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,838
−HK$6,313/mo
▼ 0.25% · 3.875%
HK$119,972
−HK$3,179/mo
Today · 4.125%
HK$123,151
baseline
▲ 0.50% · 4.625%
HK$129,642
+HK$6,491/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,302/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,031
−HK$8,467/mo
▼ 0.25% · 3.875%
HK$139,231
−HK$4,267/mo
Today · 4.125%
HK$143,498
baseline
▲ 0.50% · 4.625%
HK$152,230
+HK$8,732/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$286,996/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,220
−HK$8,116/mo
▼ 0.25% · 3.875%
HK$154,249
−HK$4,087/mo
Today · 4.125%
HK$158,336
baseline
▲ 0.50% · 4.625%
HK$166,683
+HK$8,347/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,672/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,189 · Scale 2, in force from 26 Feb 2026)