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$74,909
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,239
−HK$2,368/mo
Today · 4.125%
HK$79,607
baseline
▲ 0.50% · 4.625%
HK$84,450
+HK$4,843/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,214/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,336
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,571
−HK$2,267/mo
Today · 4.125%
HK$87,838
baseline
▲ 0.50% · 4.625%
HK$92,468
+HK$4,630/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,676/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,891
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,687
−HK$2,841/mo
Today · 4.125%
HK$95,528
baseline
▲ 0.50% · 4.625%
HK$101,341
+HK$5,813/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,056/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,003
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,685
−HK$2,721/mo
Today · 4.125%
HK$105,406
baseline
▲ 0.50% · 4.625%
HK$110,962
+HK$5,556/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,812/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,873
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,135
−HK$3,314/mo
Today · 4.125%
HK$111,449
baseline
▲ 0.50% · 4.625%
HK$118,231
+HK$6,782/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,898/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,670
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,799
−HK$3,174/mo
Today · 4.125%
HK$122,973
baseline
▲ 0.50% · 4.625%
HK$129,455
+HK$6,482/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$245,946/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,836
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$139,031
−HK$4,261/mo
Today · 4.125%
HK$143,292
baseline
▲ 0.50% · 4.625%
HK$152,011
+HK$8,719/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$286,584/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,004
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,027
−HK$4,081/mo
Today · 4.125%
HK$158,108
baseline
▲ 0.50% · 4.625%
HK$166,443
+HK$8,335/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$316,216/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,176 · Scale 2, in force from 26 Feb 2026)