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$74,908
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,239
−HK$2,367/mo
Today · 4.125%
HK$79,606
baseline
▲ 0.50% · 4.625%
HK$84,450
+HK$4,844/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,212/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,335
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,570
−HK$2,267/mo
Today · 4.125%
HK$87,837
baseline
▲ 0.50% · 4.625%
HK$92,467
+HK$4,630/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,674/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,890
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,686
−HK$2,841/mo
Today · 4.125%
HK$95,527
baseline
▲ 0.50% · 4.625%
HK$101,340
+HK$5,813/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,054/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,002
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,684
−HK$2,721/mo
Today · 4.125%
HK$105,405
baseline
▲ 0.50% · 4.625%
HK$110,961
+HK$5,556/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,810/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,872
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,134
−HK$3,314/mo
Today · 4.125%
HK$111,448
baseline
▲ 0.50% · 4.625%
HK$118,230
+HK$6,782/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,896/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,669
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,798
−HK$3,174/mo
Today · 4.125%
HK$122,972
baseline
▲ 0.50% · 4.625%
HK$129,454
+HK$6,482/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$245,944/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,835
−HK$8,456/mo
▼ 0.25% · 3.875%
HK$139,029
−HK$4,262/mo
Today · 4.125%
HK$143,291
baseline
▲ 0.50% · 4.625%
HK$152,009
+HK$8,718/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$286,582/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,003
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,026
−HK$4,081/mo
Today · 4.125%
HK$158,107
baseline
▲ 0.50% · 4.625%
HK$166,441
+HK$8,334/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$316,214/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,163 · Scale 2, in force from 26 Feb 2026)