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$74,693
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,017
−HK$2,360/mo
Today · 4.125%
HK$79,377
baseline
▲ 0.50% · 4.625%
HK$84,207
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,754/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,096
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,324
−HK$2,261/mo
Today · 4.125%
HK$87,585
baseline
▲ 0.50% · 4.625%
HK$92,202
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,170/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,632
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,420
−HK$2,833/mo
Today · 4.125%
HK$95,253
baseline
▲ 0.50% · 4.625%
HK$101,049
+HK$5,796/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,506/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,715
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,389
−HK$2,713/mo
Today · 4.125%
HK$105,102
baseline
▲ 0.50% · 4.625%
HK$110,642
+HK$5,540/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,204/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,571
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,823
−HK$3,305/mo
Today · 4.125%
HK$111,128
baseline
▲ 0.50% · 4.625%
HK$117,890
+HK$6,762/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,256/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,334
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,454
−HK$3,165/mo
Today · 4.125%
HK$122,619
baseline
▲ 0.50% · 4.625%
HK$129,082
+HK$6,463/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,238/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,448
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$138,630
−HK$4,249/mo
Today · 4.125%
HK$142,879
baseline
▲ 0.50% · 4.625%
HK$151,573
+HK$8,694/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,758/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,572
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,583
−HK$4,070/mo
Today · 4.125%
HK$157,653
baseline
▲ 0.50% · 4.625%
HK$165,963
+HK$8,310/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,306/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,153 · Scale 2, in force from 26 Feb 2026)