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$74,641
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,963
−HK$2,359/mo
Today · 4.125%
HK$79,322
baseline
▲ 0.50% · 4.625%
HK$84,148
+HK$4,826/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,644/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,037
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,264
−HK$2,259/mo
Today · 4.125%
HK$87,523
baseline
▲ 0.50% · 4.625%
HK$92,137
+HK$4,614/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,046/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,569
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,355
−HK$2,831/mo
Today · 4.125%
HK$95,186
baseline
▲ 0.50% · 4.625%
HK$100,978
+HK$5,792/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,372/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,645
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,317
−HK$2,711/mo
Today · 4.125%
HK$105,028
baseline
▲ 0.50% · 4.625%
HK$110,564
+HK$5,536/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,056/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,497
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,748
−HK$3,302/mo
Today · 4.125%
HK$111,050
baseline
▲ 0.50% · 4.625%
HK$117,807
+HK$6,757/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,100/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,252
−HK$6,281/mo
▼ 0.25% · 3.875%
HK$119,370
−HK$3,163/mo
Today · 4.125%
HK$122,533
baseline
▲ 0.50% · 4.625%
HK$128,992
+HK$6,459/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,066/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,354
−HK$8,425/mo
▼ 0.25% · 3.875%
HK$138,533
−HK$4,246/mo
Today · 4.125%
HK$142,779
baseline
▲ 0.50% · 4.625%
HK$151,467
+HK$8,688/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,558/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,467
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,476
−HK$4,066/mo
Today · 4.125%
HK$157,542
baseline
▲ 0.50% · 4.625%
HK$165,847
+HK$8,305/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,084/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,176 · Scale 2, in force from 26 Feb 2026)