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$74,755
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,080
−HK$2,363/mo
Today · 4.125%
HK$79,443
baseline
▲ 0.50% · 4.625%
HK$84,277
+HK$4,834/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,886/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,164
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,395
−HK$2,262/mo
Today · 4.125%
HK$87,657
baseline
▲ 0.50% · 4.625%
HK$92,278
+HK$4,621/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,314/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,706
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,496
−HK$2,835/mo
Today · 4.125%
HK$95,331
baseline
▲ 0.50% · 4.625%
HK$101,132
+HK$5,801/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$190,662/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,797
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,474
−HK$2,715/mo
Today · 4.125%
HK$105,189
baseline
▲ 0.50% · 4.625%
HK$110,733
+HK$5,544/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$210,378/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,657
−HK$6,563/mo
▼ 0.25% · 3.875%
HK$107,912
−HK$3,308/mo
Today · 4.125%
HK$111,220
baseline
▲ 0.50% · 4.625%
HK$117,987
+HK$6,767/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,440/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,430
−HK$6,290/mo
▼ 0.25% · 3.875%
HK$119,552
−HK$3,168/mo
Today · 4.125%
HK$122,720
baseline
▲ 0.50% · 4.625%
HK$129,189
+HK$6,469/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,440/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,559
−HK$8,438/mo
▼ 0.25% · 3.875%
HK$138,745
−HK$4,252/mo
Today · 4.125%
HK$142,997
baseline
▲ 0.50% · 4.625%
HK$151,698
+HK$8,701/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$285,994/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,696
−HK$8,087/mo
▼ 0.25% · 3.875%
HK$153,710
−HK$4,073/mo
Today · 4.125%
HK$157,783
baseline
▲ 0.50% · 4.625%
HK$166,100
+HK$8,317/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,566/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,303 · Scale 2, in force from 26 Feb 2026)