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$74,706
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,030
−HK$2,361/mo
Today · 4.125%
HK$79,391
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,782/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,110
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,339
−HK$2,261/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,218
+HK$4,618/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,647
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,436
−HK$2,833/mo
Today · 4.125%
HK$95,269
baseline
▲ 0.50% · 4.625%
HK$101,066
+HK$5,797/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,538/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,732
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,407
−HK$2,713/mo
Today · 4.125%
HK$105,120
baseline
▲ 0.50% · 4.625%
HK$110,661
+HK$5,541/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,240/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,589
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,842
−HK$3,305/mo
Today · 4.125%
HK$111,147
baseline
▲ 0.50% · 4.625%
HK$117,910
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,294/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,354
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,474
−HK$3,166/mo
Today · 4.125%
HK$122,640
baseline
▲ 0.50% · 4.625%
HK$129,105
+HK$6,465/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,280/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,471
−HK$8,433/mo
▼ 0.25% · 3.875%
HK$138,654
−HK$4,250/mo
Today · 4.125%
HK$142,904
baseline
▲ 0.50% · 4.625%
HK$151,599
+HK$8,695/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,808/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,598
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,610
−HK$4,070/mo
Today · 4.125%
HK$157,680
baseline
▲ 0.50% · 4.625%
HK$165,992
+HK$8,312/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,360/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,393 · Scale 2, in force from 26 Feb 2026)