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$75,199
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,538
−HK$2,377/mo
Today · 4.125%
HK$79,915
baseline
▲ 0.50% · 4.625%
HK$84,777
+HK$4,862/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,830/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,658
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,902
−HK$2,276/mo
Today · 4.125%
HK$88,178
baseline
▲ 0.50% · 4.625%
HK$92,826
+HK$4,648/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,356/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,239
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,046
−HK$2,852/mo
Today · 4.125%
HK$95,898
baseline
▲ 0.50% · 4.625%
HK$101,733
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,796/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,390
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,082
−HK$2,732/mo
Today · 4.125%
HK$105,814
baseline
▲ 0.50% · 4.625%
HK$111,391
+HK$5,577/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,628/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,279
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,554
−HK$3,327/mo
Today · 4.125%
HK$111,881
baseline
▲ 0.50% · 4.625%
HK$118,688
+HK$6,807/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$223,762/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,122
−HK$6,327/mo
▼ 0.25% · 3.875%
HK$120,263
−HK$3,186/mo
Today · 4.125%
HK$123,449
baseline
▲ 0.50% · 4.625%
HK$129,956
+HK$6,507/mo
Deposit HK$9.89M · loan HK$23.08M · min. income ≈ HK$246,898/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,358
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,569
−HK$4,278/mo
Today · 4.125%
HK$143,847
baseline
▲ 0.50% · 4.625%
HK$152,599
+HK$8,752/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,694/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,585
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,624
−HK$4,097/mo
Today · 4.125%
HK$158,721
baseline
▲ 0.50% · 4.625%
HK$167,087
+HK$8,366/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,442/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,581 · Scale 2, in force from 26 Feb 2026)