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$74,850
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,178
−HK$2,366/mo
Today · 4.125%
HK$79,544
baseline
▲ 0.50% · 4.625%
HK$84,384
+HK$4,840/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,088/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,270
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,503
−HK$2,266/mo
Today · 4.125%
HK$87,769
baseline
▲ 0.50% · 4.625%
HK$92,395
+HK$4,626/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,538/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,820
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,614
−HK$2,839/mo
Today · 4.125%
HK$95,453
baseline
▲ 0.50% · 4.625%
HK$101,261
+HK$5,808/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,906/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,924
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,604
−HK$2,719/mo
Today · 4.125%
HK$105,323
baseline
▲ 0.50% · 4.625%
HK$110,874
+HK$5,551/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,646/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,790
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,050
−HK$3,311/mo
Today · 4.125%
HK$111,361
baseline
▲ 0.50% · 4.625%
HK$118,138
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,722/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,578
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,705
−HK$3,171/mo
Today · 4.125%
HK$122,876
baseline
▲ 0.50% · 4.625%
HK$129,353
+HK$6,477/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,752/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,730
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$138,921
−HK$4,258/mo
Today · 4.125%
HK$143,179
baseline
▲ 0.50% · 4.625%
HK$151,891
+HK$8,712/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,358/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,886
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$153,906
−HK$4,078/mo
Today · 4.125%
HK$157,984
baseline
▲ 0.50% · 4.625%
HK$166,311
+HK$8,327/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,968/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,076 · Scale 2, in force from 26 Feb 2026)