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$74,487
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,804
−HK$2,354/mo
Today · 4.125%
HK$79,158
baseline
▲ 0.50% · 4.625%
HK$83,975
+HK$4,817/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,316/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,866
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,089
−HK$2,254/mo
Today · 4.125%
HK$87,343
baseline
▲ 0.50% · 4.625%
HK$91,947
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,686/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,385
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,165
−HK$2,825/mo
Today · 4.125%
HK$94,990
baseline
▲ 0.50% · 4.625%
HK$100,770
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,980/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,439
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,106
−HK$2,706/mo
Today · 4.125%
HK$104,812
baseline
▲ 0.50% · 4.625%
HK$110,337
+HK$5,525/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,624/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,282
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,526
−HK$3,295/mo
Today · 4.125%
HK$110,821
baseline
▲ 0.50% · 4.625%
HK$117,565
+HK$6,744/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,642/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,013
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,124
−HK$3,157/mo
Today · 4.125%
HK$122,281
baseline
▲ 0.50% · 4.625%
HK$128,726
+HK$6,445/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,562/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,077
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,247
−HK$4,238/mo
Today · 4.125%
HK$142,485
baseline
▲ 0.50% · 4.625%
HK$151,155
+HK$8,670/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,970/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,159
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,160
−HK$4,058/mo
Today · 4.125%
HK$157,218
baseline
▲ 0.50% · 4.625%
HK$165,505
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,436/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,312 · Scale 2, in force from 26 Feb 2026)