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$74,674
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,360/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$84,186
+HK$4,829/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,302
−HK$2,261/mo
Today · 4.125%
HK$87,563
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$4,615/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,126/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,609
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,397
−HK$2,831/mo
Today · 4.125%
HK$95,228
baseline
▲ 0.50% · 4.625%
HK$101,023
+HK$5,795/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,456/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,689
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,363
−HK$2,712/mo
Today · 4.125%
HK$105,075
baseline
▲ 0.50% · 4.625%
HK$110,614
+HK$5,539/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,150/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,544
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,796
−HK$3,304/mo
Today · 4.125%
HK$111,100
baseline
▲ 0.50% · 4.625%
HK$117,860
+HK$6,760/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,200/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,304
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,423
−HK$3,165/mo
Today · 4.125%
HK$122,588
baseline
▲ 0.50% · 4.625%
HK$129,050
+HK$6,462/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,176/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,414
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$138,595
−HK$4,248/mo
Today · 4.125%
HK$142,843
baseline
▲ 0.50% · 4.625%
HK$151,534
+HK$8,691/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,686/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,534
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$153,544
−HK$4,069/mo
Today · 4.125%
HK$157,613
baseline
▲ 0.50% · 4.625%
HK$165,921
+HK$8,308/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,226/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,800 · Scale 2, in force from 26 Feb 2026)