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$74,555
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,874
−HK$2,356/mo
Today · 4.125%
HK$79,230
baseline
▲ 0.50% · 4.625%
HK$84,051
+HK$4,821/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,460/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,942
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,166
−HK$2,257/mo
Today · 4.125%
HK$87,423
baseline
▲ 0.50% · 4.625%
HK$92,031
+HK$4,608/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,846/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,466
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,249
−HK$2,827/mo
Today · 4.125%
HK$95,076
baseline
▲ 0.50% · 4.625%
HK$100,861
+HK$5,785/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,152/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,530
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,199
−HK$2,708/mo
Today · 4.125%
HK$104,907
baseline
▲ 0.50% · 4.625%
HK$110,437
+HK$5,530/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,814/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,377
−HK$6,545/mo
▼ 0.25% · 3.875%
HK$107,624
−HK$3,298/mo
Today · 4.125%
HK$110,922
baseline
▲ 0.50% · 4.625%
HK$117,672
+HK$6,750/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,844/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,118
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,232
−HK$3,160/mo
Today · 4.125%
HK$122,392
baseline
▲ 0.50% · 4.625%
HK$128,843
+HK$6,451/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,784/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,199
−HK$8,415/mo
▼ 0.25% · 3.875%
HK$138,373
−HK$4,241/mo
Today · 4.125%
HK$142,614
baseline
▲ 0.50% · 4.625%
HK$151,292
+HK$8,678/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$285,228/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,295
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,299
−HK$4,062/mo
Today · 4.125%
HK$157,361
baseline
▲ 0.50% · 4.625%
HK$165,655
+HK$8,294/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$314,722/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,574 · Scale 2, in force from 26 Feb 2026)