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$74,789
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,115
−HK$2,364/mo
Today · 4.125%
HK$79,479
baseline
▲ 0.50% · 4.625%
HK$84,315
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,958/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,202
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,433
−HK$2,264/mo
Today · 4.125%
HK$87,697
baseline
▲ 0.50% · 4.625%
HK$92,319
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,394/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,746
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,538
−HK$2,836/mo
Today · 4.125%
HK$95,374
baseline
▲ 0.50% · 4.625%
HK$101,178
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,748/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,842
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,520
−HK$2,716/mo
Today · 4.125%
HK$105,236
baseline
▲ 0.50% · 4.625%
HK$110,783
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,472/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,704
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,961
−HK$3,309/mo
Today · 4.125%
HK$111,270
baseline
▲ 0.50% · 4.625%
HK$118,041
+HK$6,771/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,540/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,482
−HK$6,293/mo
▼ 0.25% · 3.875%
HK$119,606
−HK$3,169/mo
Today · 4.125%
HK$122,775
baseline
▲ 0.50% · 4.625%
HK$129,247
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,550/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,620
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$138,807
−HK$4,254/mo
Today · 4.125%
HK$143,061
baseline
▲ 0.50% · 4.625%
HK$151,766
+HK$8,705/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,122/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,763
−HK$8,091/mo
▼ 0.25% · 3.875%
HK$153,780
−HK$4,074/mo
Today · 4.125%
HK$157,854
baseline
▲ 0.50% · 4.625%
HK$166,175
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,708/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,931 · Scale 2, in force from 26 Feb 2026)