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$75,141
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,478
−HK$2,375/mo
Today · 4.125%
HK$79,853
baseline
▲ 0.50% · 4.625%
HK$84,712
+HK$4,859/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$159,706/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,593
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,835
−HK$2,275/mo
Today · 4.125%
HK$88,110
baseline
▲ 0.50% · 4.625%
HK$92,754
+HK$4,644/mo
Deposit HK$16.48M · loan HK$16.48M · min. income ≈ HK$176,220/mo (50% DSR)
Upfront cash ≈ HK$17.88M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,169
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,974
−HK$2,849/mo
Today · 4.125%
HK$95,823
baseline
▲ 0.50% · 4.625%
HK$101,654
+HK$5,831/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$191,646/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,312
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,002
−HK$2,730/mo
Today · 4.125%
HK$105,732
baseline
▲ 0.50% · 4.625%
HK$111,305
+HK$5,573/mo
Deposit HK$13.18M · loan HK$19.77M · min. income ≈ HK$211,464/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,197
−HK$6,597/mo
▼ 0.25% · 3.875%
HK$108,469
−HK$3,325/mo
Today · 4.125%
HK$111,794
baseline
▲ 0.50% · 4.625%
HK$118,596
+HK$6,802/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$223,588/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,031
−HK$6,323/mo
▼ 0.25% · 3.875%
HK$120,170
−HK$3,184/mo
Today · 4.125%
HK$123,354
baseline
▲ 0.50% · 4.625%
HK$129,856
+HK$6,502/mo
Deposit HK$9.89M · loan HK$23.07M · min. income ≈ HK$246,708/mo (50% DSR)
Upfront cash ≈ HK$11.29M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,254
−HK$8,481/mo
▼ 0.25% · 3.875%
HK$139,461
−HK$4,274/mo
Today · 4.125%
HK$143,735
baseline
▲ 0.50% · 4.625%
HK$152,481
+HK$8,746/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$287,470/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,468
−HK$8,130/mo
▼ 0.25% · 3.875%
HK$154,504
−HK$4,094/mo
Today · 4.125%
HK$158,598
baseline
▲ 0.50% · 4.625%
HK$166,957
+HK$8,359/mo
Deposit HK$3.30M · loan HK$29.66M · min. income ≈ HK$317,196/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$1,400,495 · Scale 2, in force from 26 Feb 2026)