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$74,376
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,689
−HK$2,351/mo
Today · 4.125%
HK$79,040
baseline
▲ 0.50% · 4.625%
HK$83,849
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,080/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,742
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,961
−HK$2,252/mo
Today · 4.125%
HK$87,213
baseline
▲ 0.50% · 4.625%
HK$91,810
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,426/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,251
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,027
−HK$2,821/mo
Today · 4.125%
HK$94,848
baseline
▲ 0.50% · 4.625%
HK$100,619
+HK$5,771/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,696/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,291
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,954
−HK$2,701/mo
Today · 4.125%
HK$104,655
baseline
▲ 0.50% · 4.625%
HK$110,172
+HK$5,517/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,310/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,126
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,365
−HK$3,291/mo
Today · 4.125%
HK$110,656
baseline
▲ 0.50% · 4.625%
HK$117,389
+HK$6,733/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$221,312/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,839
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,946
−HK$3,152/mo
Today · 4.125%
HK$122,098
baseline
▲ 0.50% · 4.625%
HK$128,534
+HK$6,436/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$244,196/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,876
−HK$8,396/mo
▼ 0.25% · 3.875%
HK$138,041
−HK$4,231/mo
Today · 4.125%
HK$142,272
baseline
▲ 0.50% · 4.625%
HK$150,928
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,544/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,936
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,931
−HK$4,052/mo
Today · 4.125%
HK$156,983
baseline
▲ 0.50% · 4.625%
HK$165,257
+HK$8,274/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$313,966/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,235 · Scale 2, in force from 26 Feb 2026)