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$74,409
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,724
−HK$2,351/mo
Today · 4.125%
HK$79,075
baseline
▲ 0.50% · 4.625%
HK$83,887
+HK$4,812/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,150/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,779
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$84,999
−HK$2,253/mo
Today · 4.125%
HK$87,252
baseline
▲ 0.50% · 4.625%
HK$91,851
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,504/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,291
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,068
−HK$2,822/mo
Today · 4.125%
HK$94,890
baseline
▲ 0.50% · 4.625%
HK$100,664
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,780/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,335
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$2,703/mo
Today · 4.125%
HK$104,702
baseline
▲ 0.50% · 4.625%
HK$110,221
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,404/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,173
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,413
−HK$3,292/mo
Today · 4.125%
HK$110,705
baseline
▲ 0.50% · 4.625%
HK$117,441
+HK$6,736/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,410/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,891
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,999
−HK$3,153/mo
Today · 4.125%
HK$122,152
baseline
▲ 0.50% · 4.625%
HK$128,591
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,304/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,936
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,102
−HK$4,233/mo
Today · 4.125%
HK$142,335
baseline
▲ 0.50% · 4.625%
HK$150,996
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,670/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,003
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$152,999
−HK$4,054/mo
Today · 4.125%
HK$157,053
baseline
▲ 0.50% · 4.625%
HK$165,331
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,106/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,856 · Scale 2, in force from 26 Feb 2026)