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$75,207
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,546
−HK$2,377/mo
Today · 4.125%
HK$79,923
baseline
▲ 0.50% · 4.625%
HK$84,786
+HK$4,863/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$159,846/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,667
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,911
−HK$2,276/mo
Today · 4.125%
HK$88,187
baseline
▲ 0.50% · 4.625%
HK$92,836
+HK$4,649/mo
Deposit HK$16.49M · loan HK$16.49M · min. income ≈ HK$176,374/mo (50% DSR)
Upfront cash ≈ HK$17.89M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,248
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,056
−HK$2,852/mo
Today · 4.125%
HK$95,908
baseline
▲ 0.50% · 4.625%
HK$101,743
+HK$5,835/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$191,816/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,400
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,093
−HK$2,732/mo
Today · 4.125%
HK$105,825
baseline
▲ 0.50% · 4.625%
HK$111,403
+HK$5,578/mo
Deposit HK$13.19M · loan HK$19.79M · min. income ≈ HK$211,650/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,290
−HK$6,602/mo
▼ 0.25% · 3.875%
HK$108,565
−HK$3,327/mo
Today · 4.125%
HK$111,892
baseline
▲ 0.50% · 4.625%
HK$118,701
+HK$6,809/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$223,784/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,134
−HK$6,328/mo
▼ 0.25% · 3.875%
HK$120,275
−HK$3,187/mo
Today · 4.125%
HK$123,462
baseline
▲ 0.50% · 4.625%
HK$129,970
+HK$6,508/mo
Deposit HK$9.89M · loan HK$23.09M · min. income ≈ HK$246,924/mo (50% DSR)
Upfront cash ≈ HK$11.30M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,373
−HK$8,489/mo
▼ 0.25% · 3.875%
HK$139,583
−HK$4,279/mo
Today · 4.125%
HK$143,862
baseline
▲ 0.50% · 4.625%
HK$152,615
+HK$8,753/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$287,724/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,601
−HK$8,136/mo
▼ 0.25% · 3.875%
HK$154,640
−HK$4,097/mo
Today · 4.125%
HK$158,737
baseline
▲ 0.50% · 4.625%
HK$167,104
+HK$8,367/mo
Deposit HK$3.30M · loan HK$29.68M · min. income ≈ HK$317,474/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,401,727 · Scale 2, in force from 26 Feb 2026)