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$74,793
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,119
−HK$2,364/mo
Today · 4.125%
HK$79,483
baseline
▲ 0.50% · 4.625%
HK$84,319
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,966/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,206
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,438
−HK$2,263/mo
Today · 4.125%
HK$87,701
baseline
▲ 0.50% · 4.625%
HK$92,324
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,402/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,751
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,543
−HK$2,836/mo
Today · 4.125%
HK$95,379
baseline
▲ 0.50% · 4.625%
HK$101,183
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,758/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,847
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,525
−HK$2,717/mo
Today · 4.125%
HK$105,242
baseline
▲ 0.50% · 4.625%
HK$110,789
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,484/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,710
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,967
−HK$3,309/mo
Today · 4.125%
HK$111,276
baseline
▲ 0.50% · 4.625%
HK$118,047
+HK$6,771/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,552/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,488
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,613
−HK$3,169/mo
Today · 4.125%
HK$122,782
baseline
▲ 0.50% · 4.625%
HK$129,254
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,564/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,627
−HK$8,442/mo
▼ 0.25% · 3.875%
HK$138,814
−HK$4,255/mo
Today · 4.125%
HK$143,069
baseline
▲ 0.50% · 4.625%
HK$151,774
+HK$8,705/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,138/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,771
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,788
−HK$4,075/mo
Today · 4.125%
HK$157,863
baseline
▲ 0.50% · 4.625%
HK$166,184
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,726/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,004 · Scale 2, in force from 26 Feb 2026)