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$75,073
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,409
−HK$2,372/mo
Today · 4.125%
HK$79,781
baseline
▲ 0.50% · 4.625%
HK$84,636
+HK$4,855/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,562/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,273/mo
Today · 4.125%
HK$88,031
baseline
▲ 0.50% · 4.625%
HK$92,671
+HK$4,640/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,062/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,088
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,890
−HK$2,847/mo
Today · 4.125%
HK$95,737
baseline
▲ 0.50% · 4.625%
HK$101,563
+HK$5,826/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,474/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,222
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,910
−HK$2,727/mo
Today · 4.125%
HK$105,637
baseline
▲ 0.50% · 4.625%
HK$111,205
+HK$5,568/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,274/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,103
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,372
−HK$3,322/mo
Today · 4.125%
HK$111,694
baseline
▲ 0.50% · 4.625%
HK$118,490
+HK$6,796/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,388/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,926
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,062
−HK$3,181/mo
Today · 4.125%
HK$123,243
baseline
▲ 0.50% · 4.625%
HK$129,739
+HK$6,496/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,486/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,132
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$139,335
−HK$4,271/mo
Today · 4.125%
HK$143,606
baseline
▲ 0.50% · 4.625%
HK$152,344
+HK$8,738/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,212/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,333
−HK$8,122/mo
▼ 0.25% · 3.875%
HK$154,365
−HK$4,090/mo
Today · 4.125%
HK$158,455
baseline
▲ 0.50% · 4.625%
HK$166,807
+HK$8,352/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,910/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,237 · Scale 2, in force from 26 Feb 2026)