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$74,935
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,266
−HK$2,368/mo
Today · 4.125%
HK$79,634
baseline
▲ 0.50% · 4.625%
HK$84,480
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,268/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,365
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,601
−HK$2,268/mo
Today · 4.125%
HK$87,869
baseline
▲ 0.50% · 4.625%
HK$92,500
+HK$4,631/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,738/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,922
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,719
−HK$2,842/mo
Today · 4.125%
HK$95,561
baseline
▲ 0.50% · 4.625%
HK$101,376
+HK$5,815/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,122/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,038
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,721
−HK$2,721/mo
Today · 4.125%
HK$105,442
baseline
▲ 0.50% · 4.625%
HK$111,000
+HK$5,558/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,884/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,909
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,173
−HK$3,315/mo
Today · 4.125%
HK$111,488
baseline
▲ 0.50% · 4.625%
HK$118,272
+HK$6,784/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,976/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,711
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,841
−HK$3,175/mo
Today · 4.125%
HK$123,016
baseline
▲ 0.50% · 4.625%
HK$129,501
+HK$6,485/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,032/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,884
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,079
−HK$4,263/mo
Today · 4.125%
HK$143,342
baseline
▲ 0.50% · 4.625%
HK$152,064
+HK$8,722/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,684/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,057
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,081
−HK$4,083/mo
Today · 4.125%
HK$158,164
baseline
▲ 0.50% · 4.625%
HK$166,501
+HK$8,337/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,328/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,663 · Scale 2, in force from 26 Feb 2026)