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$74,644
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,966
−HK$2,359/mo
Today · 4.125%
HK$79,325
baseline
▲ 0.50% · 4.625%
HK$84,151
+HK$4,826/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,650/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,040
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,268
−HK$2,259/mo
Today · 4.125%
HK$87,527
baseline
▲ 0.50% · 4.625%
HK$92,140
+HK$4,613/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,054/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,572
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,830/mo
Today · 4.125%
HK$95,189
baseline
▲ 0.50% · 4.625%
HK$100,982
+HK$5,793/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,378/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,649
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,321
−HK$2,711/mo
Today · 4.125%
HK$105,032
baseline
▲ 0.50% · 4.625%
HK$110,569
+HK$5,537/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,064/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,501
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,752
−HK$3,302/mo
Today · 4.125%
HK$111,054
baseline
▲ 0.50% · 4.625%
HK$117,812
+HK$6,758/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,108/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,257
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,375
−HK$3,163/mo
Today · 4.125%
HK$122,538
baseline
▲ 0.50% · 4.625%
HK$128,997
+HK$6,459/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,076/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,359
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,538
−HK$4,246/mo
Today · 4.125%
HK$142,784
baseline
▲ 0.50% · 4.625%
HK$151,472
+HK$8,688/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,568/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,473
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,482
−HK$4,066/mo
Today · 4.125%
HK$157,548
baseline
▲ 0.50% · 4.625%
HK$165,853
+HK$8,305/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,096/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,230 · Scale 2, in force from 26 Feb 2026)