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$74,768
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,093
−HK$2,363/mo
Today · 4.125%
HK$79,456
baseline
▲ 0.50% · 4.625%
HK$84,291
+HK$4,835/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,912/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,178
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,409
−HK$2,263/mo
Today · 4.125%
HK$87,672
baseline
▲ 0.50% · 4.625%
HK$92,293
+HK$4,621/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,344/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,721
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,512
−HK$2,835/mo
Today · 4.125%
HK$95,347
baseline
▲ 0.50% · 4.625%
HK$101,149
+HK$5,802/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$190,694/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,814
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,491
−HK$2,715/mo
Today · 4.125%
HK$105,206
baseline
▲ 0.50% · 4.625%
HK$110,752
+HK$5,546/mo
Deposit HK$13.12M · loan HK$19.67M · min. income ≈ HK$210,412/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,675
−HK$6,564/mo
▼ 0.25% · 3.875%
HK$107,931
−HK$3,308/mo
Today · 4.125%
HK$111,239
baseline
▲ 0.50% · 4.625%
HK$118,007
+HK$6,768/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,478/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,449
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,573
−HK$3,168/mo
Today · 4.125%
HK$122,741
baseline
▲ 0.50% · 4.625%
HK$129,211
+HK$6,470/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,482/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,582
−HK$8,439/mo
▼ 0.25% · 3.875%
HK$138,768
−HK$4,253/mo
Today · 4.125%
HK$143,021
baseline
▲ 0.50% · 4.625%
HK$151,724
+HK$8,703/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,042/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,721
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,736
−HK$4,074/mo
Today · 4.125%
HK$157,810
baseline
▲ 0.50% · 4.625%
HK$166,128
+HK$8,318/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,620/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,538 · Scale 2, in force from 26 Feb 2026)