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$74,759
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,084
−HK$2,363/mo
Today · 4.125%
HK$79,447
baseline
▲ 0.50% · 4.625%
HK$84,281
+HK$4,834/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,894/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,169
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,399
−HK$2,263/mo
Today · 4.125%
HK$87,662
baseline
▲ 0.50% · 4.625%
HK$92,283
+HK$4,621/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,324/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,711
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,501
−HK$2,835/mo
Today · 4.125%
HK$95,336
baseline
▲ 0.50% · 4.625%
HK$101,137
+HK$5,801/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$190,672/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,802
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,479
−HK$2,715/mo
Today · 4.125%
HK$105,194
baseline
▲ 0.50% · 4.625%
HK$110,739
+HK$5,545/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$210,388/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,663
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,918
−HK$3,308/mo
Today · 4.125%
HK$111,226
baseline
▲ 0.50% · 4.625%
HK$117,994
+HK$6,768/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,452/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,436
−HK$6,291/mo
▼ 0.25% · 3.875%
HK$119,559
−HK$3,168/mo
Today · 4.125%
HK$122,727
baseline
▲ 0.50% · 4.625%
HK$129,196
+HK$6,469/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,454/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,566
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$138,752
−HK$4,253/mo
Today · 4.125%
HK$143,005
baseline
▲ 0.50% · 4.625%
HK$151,706
+HK$8,701/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,010/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,703
−HK$8,088/mo
▼ 0.25% · 3.875%
HK$153,718
−HK$4,073/mo
Today · 4.125%
HK$157,791
baseline
▲ 0.50% · 4.625%
HK$166,109
+HK$8,318/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,582/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,377 · Scale 2, in force from 26 Feb 2026)