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$74,457
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,773
−HK$2,353/mo
Today · 4.125%
HK$79,126
baseline
▲ 0.50% · 4.625%
HK$83,941
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,252/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,054
−HK$2,254/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$91,910
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,348
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,128
−HK$2,823/mo
Today · 4.125%
HK$94,951
baseline
▲ 0.50% · 4.625%
HK$100,729
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,902/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,399
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,065
−HK$2,704/mo
Today · 4.125%
HK$104,769
baseline
▲ 0.50% · 4.625%
HK$110,292
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,538/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,240
−HK$6,536/mo
▼ 0.25% · 3.875%
HK$107,482
−HK$3,294/mo
Today · 4.125%
HK$110,776
baseline
▲ 0.50% · 4.625%
HK$117,517
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,552/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,966
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,076
−HK$3,155/mo
Today · 4.125%
HK$122,231
baseline
▲ 0.50% · 4.625%
HK$128,674
+HK$6,443/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,462/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,022
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,191
−HK$4,236/mo
Today · 4.125%
HK$142,427
baseline
▲ 0.50% · 4.625%
HK$151,093
+HK$8,666/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,854/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,099
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,097
−HK$4,057/mo
Today · 4.125%
HK$157,154
baseline
▲ 0.50% · 4.625%
HK$165,438
+HK$8,284/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,308/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,747 · Scale 2, in force from 26 Feb 2026)