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$74,528
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,846
−HK$2,355/mo
Today · 4.125%
HK$79,201
baseline
▲ 0.50% · 4.625%
HK$84,021
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,402/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,911
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,135
−HK$2,256/mo
Today · 4.125%
HK$87,391
baseline
▲ 0.50% · 4.625%
HK$91,997
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,782/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,433
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,215
−HK$2,827/mo
Today · 4.125%
HK$95,042
baseline
▲ 0.50% · 4.625%
HK$100,825
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,084/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,494
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,162
−HK$2,707/mo
Today · 4.125%
HK$104,869
baseline
▲ 0.50% · 4.625%
HK$110,397
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,738/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,339
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,584
−HK$3,298/mo
Today · 4.125%
HK$110,882
baseline
▲ 0.50% · 4.625%
HK$117,629
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,764/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,076
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,189
−HK$3,158/mo
Today · 4.125%
HK$122,347
baseline
▲ 0.50% · 4.625%
HK$128,796
+HK$6,449/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,694/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,150
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,323
−HK$4,239/mo
Today · 4.125%
HK$142,562
baseline
▲ 0.50% · 4.625%
HK$151,237
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,124/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,241
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,243
−HK$4,061/mo
Today · 4.125%
HK$157,304
baseline
▲ 0.50% · 4.625%
HK$165,595
+HK$8,291/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,608/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,069 · Scale 2, in force from 26 Feb 2026)