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$75,092
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,427
−HK$2,374/mo
Today · 4.125%
HK$79,801
baseline
▲ 0.50% · 4.625%
HK$84,656
+HK$4,855/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$159,602/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,779
−HK$2,273/mo
Today · 4.125%
HK$88,052
baseline
▲ 0.50% · 4.625%
HK$92,693
+HK$4,641/mo
Deposit HK$16.47M · loan HK$16.47M · min. income ≈ HK$176,104/mo (50% DSR)
Upfront cash ≈ HK$17.87M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,110
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,913
−HK$2,848/mo
Today · 4.125%
HK$95,761
baseline
▲ 0.50% · 4.625%
HK$101,588
+HK$5,827/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$191,522/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,247
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$2,728/mo
Today · 4.125%
HK$105,663
baseline
▲ 0.50% · 4.625%
HK$111,232
+HK$5,569/mo
Deposit HK$13.17M · loan HK$19.76M · min. income ≈ HK$211,326/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,128
−HK$6,593/mo
▼ 0.25% · 3.875%
HK$108,398
−HK$3,323/mo
Today · 4.125%
HK$111,721
baseline
▲ 0.50% · 4.625%
HK$118,519
+HK$6,798/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,442/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,954
−HK$6,319/mo
▼ 0.25% · 3.875%
HK$120,091
−HK$3,182/mo
Today · 4.125%
HK$123,273
baseline
▲ 0.50% · 4.625%
HK$129,771
+HK$6,498/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,546/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,165
−HK$8,476/mo
▼ 0.25% · 3.875%
HK$139,369
−HK$4,272/mo
Today · 4.125%
HK$143,641
baseline
▲ 0.50% · 4.625%
HK$152,381
+HK$8,740/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$287,282/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,370
−HK$8,124/mo
▼ 0.25% · 3.875%
HK$154,403
−HK$4,091/mo
Today · 4.125%
HK$158,494
baseline
▲ 0.50% · 4.625%
HK$166,848
+HK$8,354/mo
Deposit HK$3.29M · loan HK$29.64M · min. income ≈ HK$316,988/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,579 · Scale 2, in force from 26 Feb 2026)