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$75,204
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,543
−HK$2,377/mo
Today · 4.125%
HK$79,920
baseline
▲ 0.50% · 4.625%
HK$84,783
+HK$4,863/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,840/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,664
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,908
−HK$2,276/mo
Today · 4.125%
HK$88,184
baseline
▲ 0.50% · 4.625%
HK$92,832
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,368/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,245
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,052
−HK$2,852/mo
Today · 4.125%
HK$95,904
baseline
▲ 0.50% · 4.625%
HK$101,740
+HK$5,836/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,808/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,397
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,089
−HK$2,732/mo
Today · 4.125%
HK$105,821
baseline
▲ 0.50% · 4.625%
HK$111,399
+HK$5,578/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,642/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,286
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,561
−HK$3,327/mo
Today · 4.125%
HK$111,888
baseline
▲ 0.50% · 4.625%
HK$118,696
+HK$6,808/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$223,776/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,129
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,271
−HK$3,186/mo
Today · 4.125%
HK$123,457
baseline
▲ 0.50% · 4.625%
HK$129,965
+HK$6,508/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$246,914/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,367
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,578
−HK$4,278/mo
Today · 4.125%
HK$143,856
baseline
▲ 0.50% · 4.625%
HK$152,609
+HK$8,753/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,712/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,595
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,634
−HK$4,097/mo
Today · 4.125%
HK$158,731
baseline
▲ 0.50% · 4.625%
HK$167,098
+HK$8,367/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,462/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,674 · Scale 2, in force from 26 Feb 2026)