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$74,506
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,824
−HK$2,354/mo
Today · 4.125%
HK$79,178
baseline
▲ 0.50% · 4.625%
HK$83,996
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,356/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,887
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,110
−HK$2,255/mo
Today · 4.125%
HK$87,365
baseline
▲ 0.50% · 4.625%
HK$91,970
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,730/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,407
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,188
−HK$2,826/mo
Today · 4.125%
HK$95,014
baseline
▲ 0.50% · 4.625%
HK$100,795
+HK$5,781/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$190,028/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,465
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,132
−HK$2,706/mo
Today · 4.125%
HK$104,838
baseline
▲ 0.50% · 4.625%
HK$110,365
+HK$5,527/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,676/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,308
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,553
−HK$3,296/mo
Today · 4.125%
HK$110,849
baseline
▲ 0.50% · 4.625%
HK$117,594
+HK$6,745/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,698/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,042
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$119,154
−HK$3,157/mo
Today · 4.125%
HK$122,311
baseline
▲ 0.50% · 4.625%
HK$128,759
+HK$6,448/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,622/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,111
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,282
−HK$4,239/mo
Today · 4.125%
HK$142,521
baseline
▲ 0.50% · 4.625%
HK$151,193
+HK$8,672/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,042/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,197
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,198
−HK$4,060/mo
Today · 4.125%
HK$157,258
baseline
▲ 0.50% · 4.625%
HK$165,547
+HK$8,289/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,516/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,662 · Scale 2, in force from 26 Feb 2026)