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$74,653
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,975
−HK$2,359/mo
Today · 4.125%
HK$79,334
baseline
▲ 0.50% · 4.625%
HK$84,162
+HK$4,828/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,668/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,051
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,278
−HK$2,260/mo
Today · 4.125%
HK$87,538
baseline
▲ 0.50% · 4.625%
HK$92,152
+HK$4,614/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,076/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,584
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,370
−HK$2,831/mo
Today · 4.125%
HK$95,201
baseline
▲ 0.50% · 4.625%
HK$100,994
+HK$5,793/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$190,402/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,661
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,334
−HK$2,711/mo
Today · 4.125%
HK$105,045
baseline
▲ 0.50% · 4.625%
HK$110,582
+HK$5,537/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$210,090/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,514
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,765
−HK$3,303/mo
Today · 4.125%
HK$111,068
baseline
▲ 0.50% · 4.625%
HK$117,826
+HK$6,758/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,136/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,271
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,389
−HK$3,164/mo
Today · 4.125%
HK$122,553
baseline
▲ 0.50% · 4.625%
HK$129,013
+HK$6,460/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,106/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,375
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,555
−HK$4,247/mo
Today · 4.125%
HK$142,802
baseline
▲ 0.50% · 4.625%
HK$151,491
+HK$8,689/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,604/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,491
−HK$8,077/mo
▼ 0.25% · 3.875%
HK$153,501
−HK$4,067/mo
Today · 4.125%
HK$157,568
baseline
▲ 0.50% · 4.625%
HK$165,873
+HK$8,305/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,136/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,402 · Scale 2, in force from 26 Feb 2026)