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$74,701
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,025
−HK$2,361/mo
Today · 4.125%
HK$79,386
baseline
▲ 0.50% · 4.625%
HK$84,216
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,772/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,104
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,333
−HK$2,261/mo
Today · 4.125%
HK$87,594
baseline
▲ 0.50% · 4.625%
HK$92,211
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,188/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,641
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,430
−HK$2,833/mo
Today · 4.125%
HK$95,263
baseline
▲ 0.50% · 4.625%
HK$101,059
+HK$5,796/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,526/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,725
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,400
−HK$2,713/mo
Today · 4.125%
HK$105,113
baseline
▲ 0.50% · 4.625%
HK$110,654
+HK$5,541/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,226/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,582
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,835
−HK$3,305/mo
Today · 4.125%
HK$111,140
baseline
▲ 0.50% · 4.625%
HK$117,903
+HK$6,763/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,280/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,346
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,466
−HK$3,166/mo
Today · 4.125%
HK$122,632
baseline
▲ 0.50% · 4.625%
HK$129,096
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,264/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,462
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,645
−HK$4,249/mo
Today · 4.125%
HK$142,894
baseline
▲ 0.50% · 4.625%
HK$151,589
+HK$8,695/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,788/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,588
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,600
−HK$4,070/mo
Today · 4.125%
HK$157,670
baseline
▲ 0.50% · 4.625%
HK$165,981
+HK$8,311/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,340/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,301 · Scale 2, in force from 26 Feb 2026)