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$74,398
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,713
−HK$2,351/mo
Today · 4.125%
HK$79,064
baseline
▲ 0.50% · 4.625%
HK$83,875
+HK$4,811/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,128/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,767
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,987
−HK$2,252/mo
Today · 4.125%
HK$87,239
baseline
▲ 0.50% · 4.625%
HK$91,838
+HK$4,599/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,478/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,278
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,055
−HK$2,822/mo
Today · 4.125%
HK$94,877
baseline
▲ 0.50% · 4.625%
HK$100,650
+HK$5,773/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,754/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,321
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,985
−HK$2,702/mo
Today · 4.125%
HK$104,687
baseline
▲ 0.50% · 4.625%
HK$110,205
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,374/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,158
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,398
−HK$3,291/mo
Today · 4.125%
HK$110,689
baseline
▲ 0.50% · 4.625%
HK$117,424
+HK$6,735/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,378/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,874
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,982
−HK$3,153/mo
Today · 4.125%
HK$122,135
baseline
▲ 0.50% · 4.625%
HK$128,573
+HK$6,438/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,270/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,917
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,083
−HK$4,232/mo
Today · 4.125%
HK$142,315
baseline
▲ 0.50% · 4.625%
HK$150,974
+HK$8,659/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,630/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,981
−HK$8,049/mo
▼ 0.25% · 3.875%
HK$152,977
−HK$4,053/mo
Today · 4.125%
HK$157,030
baseline
▲ 0.50% · 4.625%
HK$165,308
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,060/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,656 · Scale 2, in force from 26 Feb 2026)