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$75,135
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,472
−HK$2,374/mo
Today · 4.125%
HK$79,846
baseline
▲ 0.50% · 4.625%
HK$84,705
+HK$4,859/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,692/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,587
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,828
−HK$2,275/mo
Today · 4.125%
HK$88,103
baseline
▲ 0.50% · 4.625%
HK$92,747
+HK$4,644/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,206/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,162
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,966
−HK$2,850/mo
Today · 4.125%
HK$95,816
baseline
▲ 0.50% · 4.625%
HK$101,646
+HK$5,830/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,632/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,304
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,994
−HK$2,729/mo
Today · 4.125%
HK$105,723
baseline
▲ 0.50% · 4.625%
HK$111,296
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,446/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,189
−HK$6,596/mo
▼ 0.25% · 3.875%
HK$108,461
−HK$3,324/mo
Today · 4.125%
HK$111,785
baseline
▲ 0.50% · 4.625%
HK$118,587
+HK$6,802/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,570/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,021
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,160
−HK$3,184/mo
Today · 4.125%
HK$123,344
baseline
▲ 0.50% · 4.625%
HK$129,845
+HK$6,501/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,688/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,242
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,449
−HK$4,274/mo
Today · 4.125%
HK$143,723
baseline
▲ 0.50% · 4.625%
HK$152,469
+HK$8,746/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,446/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,456
−HK$8,129/mo
▼ 0.25% · 3.875%
HK$154,491
−HK$4,094/mo
Today · 4.125%
HK$158,585
baseline
▲ 0.50% · 4.625%
HK$166,944
+HK$8,359/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,170/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,380 · Scale 2, in force from 26 Feb 2026)