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$75,021
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,354
−HK$2,371/mo
Today · 4.125%
HK$79,725
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,851/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,450/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,460
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,698
−HK$2,271/mo
Today · 4.125%
HK$87,969
baseline
▲ 0.50% · 4.625%
HK$92,606
+HK$4,637/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,938/mo (50% DSR)
Upfront cash ≈ HK$17.85M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,025
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,825
−HK$2,845/mo
Today · 4.125%
HK$95,670
baseline
▲ 0.50% · 4.625%
HK$101,491
+HK$5,821/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$191,340/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,152
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,838
−HK$2,724/mo
Today · 4.125%
HK$105,562
baseline
▲ 0.50% · 4.625%
HK$111,127
+HK$5,565/mo
Deposit HK$13.16M · loan HK$19.74M · min. income ≈ HK$211,124/mo (50% DSR)
Upfront cash ≈ HK$14.56M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,029
−HK$6,586/mo
▼ 0.25% · 3.875%
HK$108,296
−HK$3,319/mo
Today · 4.125%
HK$111,615
baseline
▲ 0.50% · 4.625%
HK$118,407
+HK$6,792/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$223,230/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,844
−HK$6,312/mo
▼ 0.25% · 3.875%
HK$119,977
−HK$3,179/mo
Today · 4.125%
HK$123,156
baseline
▲ 0.50% · 4.625%
HK$129,648
+HK$6,492/mo
Deposit HK$9.87M · loan HK$23.03M · min. income ≈ HK$246,312/mo (50% DSR)
Upfront cash ≈ HK$11.27M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,037
−HK$8,468/mo
▼ 0.25% · 3.875%
HK$139,238
−HK$4,267/mo
Today · 4.125%
HK$143,505
baseline
▲ 0.50% · 4.625%
HK$152,237
+HK$8,732/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$287,010/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,227
−HK$8,117/mo
▼ 0.25% · 3.875%
HK$154,256
−HK$4,088/mo
Today · 4.125%
HK$158,344
baseline
▲ 0.50% · 4.625%
HK$166,690
+HK$8,346/mo
Deposit HK$3.29M · loan HK$29.61M · min. income ≈ HK$316,688/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,398,254 · Scale 2, in force from 26 Feb 2026)