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$74,883
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,213
−HK$2,366/mo
Today · 4.125%
HK$79,579
baseline
▲ 0.50% · 4.625%
HK$84,421
+HK$4,842/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,158/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,307
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,541
−HK$2,267/mo
Today · 4.125%
HK$87,808
baseline
▲ 0.50% · 4.625%
HK$92,436
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,616/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,860
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,655
−HK$2,840/mo
Today · 4.125%
HK$95,495
baseline
▲ 0.50% · 4.625%
HK$101,306
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$190,990/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,968
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,650
−HK$2,719/mo
Today · 4.125%
HK$105,369
baseline
▲ 0.50% · 4.625%
HK$110,924
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$210,738/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,837
−HK$6,574/mo
▼ 0.25% · 3.875%
HK$108,098
−HK$3,313/mo
Today · 4.125%
HK$111,411
baseline
▲ 0.50% · 4.625%
HK$118,190
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,822/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,630
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,758
−HK$3,173/mo
Today · 4.125%
HK$122,931
baseline
▲ 0.50% · 4.625%
HK$129,411
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,862/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,790
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,983
−HK$4,260/mo
Today · 4.125%
HK$143,243
baseline
▲ 0.50% · 4.625%
HK$151,959
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,486/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,953
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$153,974
−HK$4,080/mo
Today · 4.125%
HK$158,054
baseline
▲ 0.50% · 4.625%
HK$166,385
+HK$8,331/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,108/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,696 · Scale 2, in force from 26 Feb 2026)