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$74,888
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,218
−HK$2,366/mo
Today · 4.125%
HK$79,584
baseline
▲ 0.50% · 4.625%
HK$84,427
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,168/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,313
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,547
−HK$2,267/mo
Today · 4.125%
HK$87,814
baseline
▲ 0.50% · 4.625%
HK$92,442
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,628/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,866
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,661
−HK$2,840/mo
Today · 4.125%
HK$95,501
baseline
▲ 0.50% · 4.625%
HK$101,312
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,002/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,975
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,656
−HK$2,720/mo
Today · 4.125%
HK$105,376
baseline
▲ 0.50% · 4.625%
HK$110,931
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,752/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,844
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,105
−HK$3,313/mo
Today · 4.125%
HK$111,418
baseline
▲ 0.50% · 4.625%
HK$118,198
+HK$6,780/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,836/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,638
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,766
−HK$3,173/mo
Today · 4.125%
HK$122,939
baseline
▲ 0.50% · 4.625%
HK$129,419
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,878/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,799
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,992
−HK$4,260/mo
Today · 4.125%
HK$143,252
baseline
▲ 0.50% · 4.625%
HK$151,969
+HK$8,717/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,504/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,963
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,984
−HK$4,081/mo
Today · 4.125%
HK$158,065
baseline
▲ 0.50% · 4.625%
HK$166,396
+HK$8,331/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,130/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,788 · Scale 2, in force from 26 Feb 2026)