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$74,754
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,079
−HK$2,363/mo
Today · 4.125%
HK$79,442
baseline
▲ 0.50% · 4.625%
HK$84,276
+HK$4,834/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,884/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,163
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,394
−HK$2,262/mo
Today · 4.125%
HK$87,656
baseline
▲ 0.50% · 4.625%
HK$92,277
+HK$4,621/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,312/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,495
−HK$2,835/mo
Today · 4.125%
HK$95,330
baseline
▲ 0.50% · 4.625%
HK$101,131
+HK$5,801/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$190,660/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,796
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,472
−HK$2,716/mo
Today · 4.125%
HK$105,188
baseline
▲ 0.50% · 4.625%
HK$110,732
+HK$5,544/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$210,376/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,656
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,911
−HK$3,308/mo
Today · 4.125%
HK$111,219
baseline
▲ 0.50% · 4.625%
HK$117,986
+HK$6,767/mo
Deposit HK$9.83M · loan HK$22.95M · min. income ≈ HK$222,438/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,429
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,551
−HK$3,168/mo
Today · 4.125%
HK$122,719
baseline
▲ 0.50% · 4.625%
HK$129,187
+HK$6,468/mo
Deposit HK$9.83M · loan HK$22.95M · min. income ≈ HK$245,438/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,557
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,743
−HK$4,252/mo
Today · 4.125%
HK$142,995
baseline
▲ 0.50% · 4.625%
HK$151,696
+HK$8,701/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$285,990/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,694
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,709
−HK$4,072/mo
Today · 4.125%
HK$157,781
baseline
▲ 0.50% · 4.625%
HK$166,098
+HK$8,317/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$315,562/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,287 · Scale 2, in force from 26 Feb 2026)