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$74,708
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,032
−HK$2,361/mo
Today · 4.125%
HK$79,393
baseline
▲ 0.50% · 4.625%
HK$84,224
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,786/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,112
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,341
−HK$2,261/mo
Today · 4.125%
HK$87,602
baseline
▲ 0.50% · 4.625%
HK$92,220
+HK$4,618/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,204/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,650
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,438
−HK$2,833/mo
Today · 4.125%
HK$95,271
baseline
▲ 0.50% · 4.625%
HK$101,068
+HK$5,797/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,542/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,734
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,409
−HK$2,714/mo
Today · 4.125%
HK$105,123
baseline
▲ 0.50% · 4.625%
HK$110,664
+HK$5,541/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,246/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,591
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,844
−HK$3,306/mo
Today · 4.125%
HK$111,150
baseline
▲ 0.50% · 4.625%
HK$117,913
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,300/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,357
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,477
−HK$3,166/mo
Today · 4.125%
HK$122,643
baseline
▲ 0.50% · 4.625%
HK$129,108
+HK$6,465/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,286/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,474
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,657
−HK$4,250/mo
Today · 4.125%
HK$142,907
baseline
▲ 0.50% · 4.625%
HK$151,603
+HK$8,696/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,814/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,601
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,614
−HK$4,070/mo
Today · 4.125%
HK$157,684
baseline
▲ 0.50% · 4.625%
HK$165,996
+HK$8,312/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,368/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,426 · Scale 2, in force from 26 Feb 2026)