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$74,861
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,190
−HK$2,365/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$84,396
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,516
−HK$2,266/mo
Today · 4.125%
HK$87,782
baseline
▲ 0.50% · 4.625%
HK$92,409
+HK$4,627/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,564/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,833
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,627
−HK$2,839/mo
Today · 4.125%
HK$95,466
baseline
▲ 0.50% · 4.625%
HK$101,275
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,932/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,938
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,619
−HK$2,719/mo
Today · 4.125%
HK$105,338
baseline
▲ 0.50% · 4.625%
HK$110,890
+HK$5,552/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,676/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,805
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,065
−HK$3,313/mo
Today · 4.125%
HK$111,378
baseline
▲ 0.50% · 4.625%
HK$118,155
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,756/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,595
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,722
−HK$3,172/mo
Today · 4.125%
HK$122,894
baseline
▲ 0.50% · 4.625%
HK$129,372
+HK$6,478/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,788/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,750
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,941
−HK$4,259/mo
Today · 4.125%
HK$143,200
baseline
▲ 0.50% · 4.625%
HK$151,913
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,400/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,908
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,928
−HK$4,079/mo
Today · 4.125%
HK$158,007
baseline
▲ 0.50% · 4.625%
HK$166,335
+HK$8,328/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,014/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,278 · Scale 2, in force from 26 Feb 2026)