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$74,835
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,162
−HK$2,365/mo
Today · 4.125%
HK$79,527
baseline
▲ 0.50% · 4.625%
HK$84,366
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,054/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,253
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,486
−HK$2,265/mo
Today · 4.125%
HK$87,751
baseline
▲ 0.50% · 4.625%
HK$92,376
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,502/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,802
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,595
−HK$2,838/mo
Today · 4.125%
HK$95,433
baseline
▲ 0.50% · 4.625%
HK$101,240
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,866/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,903
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,583
−HK$2,718/mo
Today · 4.125%
HK$105,301
baseline
▲ 0.50% · 4.625%
HK$110,851
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,602/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,768
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,027
−HK$3,311/mo
Today · 4.125%
HK$111,338
baseline
▲ 0.50% · 4.625%
HK$118,113
+HK$6,775/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,676/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,554
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,680
−HK$3,171/mo
Today · 4.125%
HK$122,851
baseline
▲ 0.50% · 4.625%
HK$129,327
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,702/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,702
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$138,892
−HK$4,257/mo
Today · 4.125%
HK$143,149
baseline
▲ 0.50% · 4.625%
HK$151,860
+HK$8,711/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,298/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,855
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,874
−HK$4,077/mo
Today · 4.125%
HK$157,951
baseline
▲ 0.50% · 4.625%
HK$166,277
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,902/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,787 · Scale 2, in force from 26 Feb 2026)