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$74,884
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,213
−HK$2,367/mo
Today · 4.125%
HK$79,580
baseline
▲ 0.50% · 4.625%
HK$84,422
+HK$4,842/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,160/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,307
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,542
−HK$2,266/mo
Today · 4.125%
HK$87,808
baseline
▲ 0.50% · 4.625%
HK$92,437
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,616/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,861
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,656
−HK$2,840/mo
Today · 4.125%
HK$95,496
baseline
▲ 0.50% · 4.625%
HK$101,306
+HK$5,810/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$190,992/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,969
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,650
−HK$2,720/mo
Today · 4.125%
HK$105,370
baseline
▲ 0.50% · 4.625%
HK$110,924
+HK$5,554/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$210,740/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,837
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,098
−HK$3,314/mo
Today · 4.125%
HK$111,412
baseline
▲ 0.50% · 4.625%
HK$118,191
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,824/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,630
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,758
−HK$3,174/mo
Today · 4.125%
HK$122,932
baseline
▲ 0.50% · 4.625%
HK$129,412
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,864/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,791
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,984
−HK$4,259/mo
Today · 4.125%
HK$143,243
baseline
▲ 0.50% · 4.625%
HK$151,959
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,486/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,953
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,975
−HK$4,080/mo
Today · 4.125%
HK$158,055
baseline
▲ 0.50% · 4.625%
HK$166,386
+HK$8,331/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,110/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,704 · Scale 2, in force from 26 Feb 2026)