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$74,451
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,767
−HK$2,353/mo
Today · 4.125%
HK$79,120
baseline
▲ 0.50% · 4.625%
HK$83,934
+HK$4,814/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,240/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,826
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,048
−HK$2,253/mo
Today · 4.125%
HK$87,301
baseline
▲ 0.50% · 4.625%
HK$91,903
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,602/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,342
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,121
−HK$2,823/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$100,721
+HK$5,777/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,392
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,057
−HK$2,704/mo
Today · 4.125%
HK$104,761
baseline
▲ 0.50% · 4.625%
HK$110,284
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,522/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,232
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,474
−HK$3,294/mo
Today · 4.125%
HK$110,768
baseline
▲ 0.50% · 4.625%
HK$117,508
+HK$6,740/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,536/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,957
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,067
−HK$3,155/mo
Today · 4.125%
HK$122,222
baseline
▲ 0.50% · 4.625%
HK$128,664
+HK$6,442/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,444/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,012
−HK$8,404/mo
▼ 0.25% · 3.875%
HK$138,181
−HK$4,235/mo
Today · 4.125%
HK$142,416
baseline
▲ 0.50% · 4.625%
HK$151,082
+HK$8,666/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,832/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,087
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,086
−HK$4,056/mo
Today · 4.125%
HK$157,142
baseline
▲ 0.50% · 4.625%
HK$165,425
+HK$8,283/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,284/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,643 · Scale 2, in force from 26 Feb 2026)