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$75,071
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,406
−HK$2,372/mo
Today · 4.125%
HK$79,778
baseline
▲ 0.50% · 4.625%
HK$84,632
+HK$4,854/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$159,556/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,515
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,755
−HK$2,272/mo
Today · 4.125%
HK$88,027
baseline
▲ 0.50% · 4.625%
HK$92,667
+HK$4,640/mo
Deposit HK$16.46M · loan HK$16.46M · min. income ≈ HK$176,054/mo (50% DSR)
Upfront cash ≈ HK$17.86M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,085
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,887
−HK$2,847/mo
Today · 4.125%
HK$95,734
baseline
▲ 0.50% · 4.625%
HK$101,559
+HK$5,825/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$191,468/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,218
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,906
−HK$2,727/mo
Today · 4.125%
HK$105,633
baseline
▲ 0.50% · 4.625%
HK$111,201
+HK$5,568/mo
Deposit HK$13.17M · loan HK$19.75M · min. income ≈ HK$211,266/mo (50% DSR)
Upfront cash ≈ HK$14.57M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,099
−HK$6,590/mo
▼ 0.25% · 3.875%
HK$108,368
−HK$3,321/mo
Today · 4.125%
HK$111,689
baseline
▲ 0.50% · 4.625%
HK$118,485
+HK$6,796/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$223,378/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,921
−HK$6,317/mo
▼ 0.25% · 3.875%
HK$120,057
−HK$3,181/mo
Today · 4.125%
HK$123,238
baseline
▲ 0.50% · 4.625%
HK$129,734
+HK$6,496/mo
Deposit HK$9.88M · loan HK$23.05M · min. income ≈ HK$246,476/mo (50% DSR)
Upfront cash ≈ HK$11.28M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,127
−HK$8,474/mo
▼ 0.25% · 3.875%
HK$139,330
−HK$4,271/mo
Today · 4.125%
HK$143,601
baseline
▲ 0.50% · 4.625%
HK$152,338
+HK$8,737/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$287,202/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,328
−HK$8,121/mo
▼ 0.25% · 3.875%
HK$154,359
−HK$4,090/mo
Today · 4.125%
HK$158,449
baseline
▲ 0.50% · 4.625%
HK$166,801
+HK$8,352/mo
Deposit HK$3.29M · loan HK$29.63M · min. income ≈ HK$316,898/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,399,185 · Scale 2, in force from 26 Feb 2026)