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$74,772
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,098
−HK$2,363/mo
Today · 4.125%
HK$79,461
baseline
▲ 0.50% · 4.625%
HK$84,296
+HK$4,835/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,922/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,183
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,414
−HK$2,263/mo
Today · 4.125%
HK$87,677
baseline
▲ 0.50% · 4.625%
HK$92,299
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,354/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,727
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,518
−HK$2,835/mo
Today · 4.125%
HK$95,353
baseline
▲ 0.50% · 4.625%
HK$101,155
+HK$5,802/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$190,706/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,820
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,497
−HK$2,716/mo
Today · 4.125%
HK$105,213
baseline
▲ 0.50% · 4.625%
HK$110,759
+HK$5,546/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$210,426/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,681
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,937
−HK$3,308/mo
Today · 4.125%
HK$111,245
baseline
▲ 0.50% · 4.625%
HK$118,014
+HK$6,769/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,490/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,456
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,580
−HK$3,168/mo
Today · 4.125%
HK$122,748
baseline
▲ 0.50% · 4.625%
HK$129,218
+HK$6,470/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,496/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,590
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,776
−HK$4,254/mo
Today · 4.125%
HK$143,030
baseline
▲ 0.50% · 4.625%
HK$151,733
+HK$8,703/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,060/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,730
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,745
−HK$4,074/mo
Today · 4.125%
HK$157,819
baseline
▲ 0.50% · 4.625%
HK$166,138
+HK$8,319/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,638/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,622 · Scale 2, in force from 26 Feb 2026)