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$74,883
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,212
−HK$2,366/mo
Today · 4.125%
HK$79,578
baseline
▲ 0.50% · 4.625%
HK$84,421
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,156/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,306
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,540
−HK$2,267/mo
Today · 4.125%
HK$87,807
baseline
▲ 0.50% · 4.625%
HK$92,435
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,614/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,859
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,654
−HK$2,840/mo
Today · 4.125%
HK$95,494
baseline
▲ 0.50% · 4.625%
HK$101,305
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$190,988/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,967
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,648
−HK$2,720/mo
Today · 4.125%
HK$105,368
baseline
▲ 0.50% · 4.625%
HK$110,922
+HK$5,554/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$210,736/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,836
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,097
−HK$3,313/mo
Today · 4.125%
HK$111,410
baseline
▲ 0.50% · 4.625%
HK$118,189
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,820/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,629
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,756
−HK$3,174/mo
Today · 4.125%
HK$122,930
baseline
▲ 0.50% · 4.625%
HK$129,409
+HK$6,479/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,860/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,789
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,981
−HK$4,260/mo
Today · 4.125%
HK$143,241
baseline
▲ 0.50% · 4.625%
HK$151,957
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,482/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,951
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$153,973
−HK$4,079/mo
Today · 4.125%
HK$158,052
baseline
▲ 0.50% · 4.625%
HK$166,384
+HK$8,332/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,104/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,681 · Scale 2, in force from 26 Feb 2026)