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$74,944
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,275
−HK$2,369/mo
Today · 4.125%
HK$79,644
baseline
▲ 0.50% · 4.625%
HK$84,490
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,288/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,375
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,611
−HK$2,268/mo
Today · 4.125%
HK$87,879
baseline
▲ 0.50% · 4.625%
HK$92,511
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,758/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,933
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,730
−HK$2,843/mo
Today · 4.125%
HK$95,573
baseline
▲ 0.50% · 4.625%
HK$101,388
+HK$5,815/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,146/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,050
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,733
−HK$2,722/mo
Today · 4.125%
HK$105,455
baseline
▲ 0.50% · 4.625%
HK$111,014
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,910/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,922
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,186
−HK$3,315/mo
Today · 4.125%
HK$111,501
baseline
▲ 0.50% · 4.625%
HK$118,286
+HK$6,785/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,002/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,724
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,855
−HK$3,176/mo
Today · 4.125%
HK$123,031
baseline
▲ 0.50% · 4.625%
HK$129,516
+HK$6,485/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,062/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,900
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,096
−HK$4,263/mo
Today · 4.125%
HK$143,359
baseline
▲ 0.50% · 4.625%
HK$152,082
+HK$8,723/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,718/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,074
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,099
−HK$4,083/mo
Today · 4.125%
HK$158,182
baseline
▲ 0.50% · 4.625%
HK$166,520
+HK$8,338/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,364/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,829 · Scale 2, in force from 26 Feb 2026)