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$74,889
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,219
−HK$2,366/mo
Today · 4.125%
HK$79,585
baseline
▲ 0.50% · 4.625%
HK$84,428
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,170/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,314
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,548
−HK$2,267/mo
Today · 4.125%
HK$87,815
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,630/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,867
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,662
−HK$2,841/mo
Today · 4.125%
HK$95,503
baseline
▲ 0.50% · 4.625%
HK$101,314
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,006/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,976
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,658
−HK$2,720/mo
Today · 4.125%
HK$105,378
baseline
▲ 0.50% · 4.625%
HK$110,932
+HK$5,554/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,756/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,845
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,106
−HK$3,314/mo
Today · 4.125%
HK$111,420
baseline
▲ 0.50% · 4.625%
HK$118,199
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,840/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,639
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,767
−HK$3,174/mo
Today · 4.125%
HK$122,941
baseline
▲ 0.50% · 4.625%
HK$129,421
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,882/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,801
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,994
−HK$4,260/mo
Today · 4.125%
HK$143,254
baseline
▲ 0.50% · 4.625%
HK$151,970
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,508/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,964
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,986
−HK$4,080/mo
Today · 4.125%
HK$158,066
baseline
▲ 0.50% · 4.625%
HK$166,398
+HK$8,332/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,132/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,805 · Scale 2, in force from 26 Feb 2026)