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$74,832
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,160
−HK$2,365/mo
Today · 4.125%
HK$79,525
baseline
▲ 0.50% · 4.625%
HK$84,364
+HK$4,839/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,050/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,250
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,483
−HK$2,265/mo
Today · 4.125%
HK$87,748
baseline
▲ 0.50% · 4.625%
HK$92,373
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,496/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,799
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,592
−HK$2,838/mo
Today · 4.125%
HK$95,430
baseline
▲ 0.50% · 4.625%
HK$101,237
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,860/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,900
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,579
−HK$2,719/mo
Today · 4.125%
HK$105,298
baseline
▲ 0.50% · 4.625%
HK$110,848
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,596/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,765
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,024
−HK$3,311/mo
Today · 4.125%
HK$111,335
baseline
▲ 0.50% · 4.625%
HK$118,109
+HK$6,774/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,670/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,550
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,676
−HK$3,171/mo
Today · 4.125%
HK$122,847
baseline
▲ 0.50% · 4.625%
HK$129,323
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,694/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,698
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$138,888
−HK$4,257/mo
Today · 4.125%
HK$143,145
baseline
▲ 0.50% · 4.625%
HK$151,855
+HK$8,710/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,290/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,850
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,869
−HK$4,077/mo
Today · 4.125%
HK$157,946
baseline
▲ 0.50% · 4.625%
HK$166,272
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,892/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,744 · Scale 2, in force from 26 Feb 2026)