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$74,539
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,356/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$84,033
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,923
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,147
−HK$2,257/mo
Today · 4.125%
HK$87,404
baseline
▲ 0.50% · 4.625%
HK$92,011
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,808/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,446
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,229
−HK$2,826/mo
Today · 4.125%
HK$95,055
baseline
▲ 0.50% · 4.625%
HK$100,839
+HK$5,784/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$190,110/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,508
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,177
−HK$2,707/mo
Today · 4.125%
HK$104,884
baseline
▲ 0.50% · 4.625%
HK$110,413
+HK$5,529/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$209,768/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,354
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,600
−HK$3,298/mo
Today · 4.125%
HK$110,898
baseline
▲ 0.50% · 4.625%
HK$117,646
+HK$6,748/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,796/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,093
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,206
−HK$3,159/mo
Today · 4.125%
HK$122,365
baseline
▲ 0.50% · 4.625%
HK$128,815
+HK$6,450/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,730/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,170
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,343
−HK$4,240/mo
Today · 4.125%
HK$142,583
baseline
▲ 0.50% · 4.625%
HK$151,259
+HK$8,676/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,166/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,262
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,265
−HK$4,061/mo
Today · 4.125%
HK$157,326
baseline
▲ 0.50% · 4.625%
HK$165,619
+HK$8,293/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,652/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,271 · Scale 2, in force from 26 Feb 2026)