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$74,424
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,739
−HK$2,352/mo
Today · 4.125%
HK$79,091
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,182/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,796
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,017
−HK$2,252/mo
Today · 4.125%
HK$87,269
baseline
▲ 0.50% · 4.625%
HK$91,869
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,538/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,309
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,087
−HK$2,823/mo
Today · 4.125%
HK$94,910
baseline
▲ 0.50% · 4.625%
HK$100,685
+HK$5,775/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$189,820/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,355
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,020
−HK$2,703/mo
Today · 4.125%
HK$104,723
baseline
▲ 0.50% · 4.625%
HK$110,243
+HK$5,520/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$209,446/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,194
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,435
−HK$3,293/mo
Today · 4.125%
HK$110,728
baseline
▲ 0.50% · 4.625%
HK$117,465
+HK$6,737/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,456/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,915
−HK$6,262/mo
▼ 0.25% · 3.875%
HK$119,023
−HK$3,154/mo
Today · 4.125%
HK$122,177
baseline
▲ 0.50% · 4.625%
HK$128,617
+HK$6,440/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,354/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,964
−HK$8,400/mo
▼ 0.25% · 3.875%
HK$138,131
−HK$4,233/mo
Today · 4.125%
HK$142,364
baseline
▲ 0.50% · 4.625%
HK$151,027
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,728/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,033
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,030
−HK$4,055/mo
Today · 4.125%
HK$157,085
baseline
▲ 0.50% · 4.625%
HK$165,365
+HK$8,280/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,170/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,138 · Scale 2, in force from 26 Feb 2026)