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$74,691
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,014
−HK$2,361/mo
Today · 4.125%
HK$79,375
baseline
▲ 0.50% · 4.625%
HK$84,205
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,750/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,093
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,322
−HK$2,260/mo
Today · 4.125%
HK$87,582
baseline
▲ 0.50% · 4.625%
HK$92,199
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,164/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,629
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,417
−HK$2,833/mo
Today · 4.125%
HK$95,250
baseline
▲ 0.50% · 4.625%
HK$101,045
+HK$5,795/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,500/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,712
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,386
−HK$2,713/mo
Today · 4.125%
HK$105,099
baseline
▲ 0.50% · 4.625%
HK$110,639
+HK$5,540/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,198/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,567
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,820
−HK$3,305/mo
Today · 4.125%
HK$111,125
baseline
▲ 0.50% · 4.625%
HK$117,886
+HK$6,761/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,250/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,330
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,450
−HK$3,165/mo
Today · 4.125%
HK$122,615
baseline
▲ 0.50% · 4.625%
HK$129,078
+HK$6,463/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,230/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,444
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$138,626
−HK$4,249/mo
Today · 4.125%
HK$142,875
baseline
▲ 0.50% · 4.625%
HK$151,568
+HK$8,693/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,750/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,567
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,579
−HK$4,069/mo
Today · 4.125%
HK$157,648
baseline
▲ 0.50% · 4.625%
HK$165,958
+HK$8,310/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,296/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,111 · Scale 2, in force from 26 Feb 2026)