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$74,712
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,036
−HK$2,362/mo
Today · 4.125%
HK$79,398
baseline
▲ 0.50% · 4.625%
HK$84,229
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,796/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,117
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,346
−HK$2,261/mo
Today · 4.125%
HK$87,607
baseline
▲ 0.50% · 4.625%
HK$92,225
+HK$4,618/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,214/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,655
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,444
−HK$2,833/mo
Today · 4.125%
HK$95,277
baseline
▲ 0.50% · 4.625%
HK$101,074
+HK$5,797/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,554/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,740
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,415
−HK$2,714/mo
Today · 4.125%
HK$105,129
baseline
▲ 0.50% · 4.625%
HK$110,670
+HK$5,541/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,258/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,597
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,851
−HK$3,306/mo
Today · 4.125%
HK$111,157
baseline
▲ 0.50% · 4.625%
HK$117,920
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,314/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,364
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,484
−HK$3,166/mo
Today · 4.125%
HK$122,650
baseline
▲ 0.50% · 4.625%
HK$129,115
+HK$6,465/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,300/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,482
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,666
−HK$4,250/mo
Today · 4.125%
HK$142,916
baseline
▲ 0.50% · 4.625%
HK$151,612
+HK$8,696/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,832/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,610
−HK$8,083/mo
▼ 0.25% · 3.875%
HK$153,623
−HK$4,070/mo
Today · 4.125%
HK$157,693
baseline
▲ 0.50% · 4.625%
HK$166,006
+HK$8,313/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,386/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,510 · Scale 2, in force from 26 Feb 2026)