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$74,400
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,714
−HK$2,352/mo
Today · 4.125%
HK$79,066
baseline
▲ 0.50% · 4.625%
HK$83,877
+HK$4,811/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,132/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,769
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,989
−HK$2,252/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$91,840
+HK$4,599/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,280
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,057
−HK$2,822/mo
Today · 4.125%
HK$94,879
baseline
▲ 0.50% · 4.625%
HK$100,652
+HK$5,773/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,758/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,323
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,987
−HK$2,702/mo
Today · 4.125%
HK$104,689
baseline
▲ 0.50% · 4.625%
HK$110,208
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,378/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,160
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,400
−HK$3,292/mo
Today · 4.125%
HK$110,692
baseline
▲ 0.50% · 4.625%
HK$117,427
+HK$6,735/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,384/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,877
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,985
−HK$3,153/mo
Today · 4.125%
HK$122,138
baseline
▲ 0.50% · 4.625%
HK$128,576
+HK$6,438/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,276/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,920
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,086
−HK$4,232/mo
Today · 4.125%
HK$142,318
baseline
▲ 0.50% · 4.625%
HK$150,978
+HK$8,660/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,636/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,985
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,981
−HK$4,053/mo
Today · 4.125%
HK$157,034
baseline
▲ 0.50% · 4.625%
HK$165,312
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,068/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,690 · Scale 2, in force from 26 Feb 2026)