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$74,833
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,161
−HK$2,365/mo
Today · 4.125%
HK$79,526
baseline
▲ 0.50% · 4.625%
HK$84,365
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,052/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,484
−HK$2,265/mo
Today · 4.125%
HK$87,749
baseline
▲ 0.50% · 4.625%
HK$92,374
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,498/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,800
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,593
−HK$2,838/mo
Today · 4.125%
HK$95,431
baseline
▲ 0.50% · 4.625%
HK$101,238
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,862/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,901
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,581
−HK$2,718/mo
Today · 4.125%
HK$105,299
baseline
▲ 0.50% · 4.625%
HK$110,849
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,598/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,766
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,025
−HK$3,311/mo
Today · 4.125%
HK$111,336
baseline
▲ 0.50% · 4.625%
HK$118,111
+HK$6,775/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,672/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,551
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,677
−HK$3,171/mo
Today · 4.125%
HK$122,848
baseline
▲ 0.50% · 4.625%
HK$129,324
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,696/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,700
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,889
−HK$4,257/mo
Today · 4.125%
HK$143,146
baseline
▲ 0.50% · 4.625%
HK$151,856
+HK$8,710/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,292/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,852
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,871
−HK$4,077/mo
Today · 4.125%
HK$157,948
baseline
▲ 0.50% · 4.625%
HK$166,274
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,896/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,758 · Scale 2, in force from 26 Feb 2026)