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$77,189
−HK$2,366/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$84,396
+HK$4,841/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,515
−HK$2,266/mo
Today · 4.125%
HK$87,781
baseline
▲ 0.50% · 4.625%
HK$92,408
+HK$4,627/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,562/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,271 · 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$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,938
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,618
−HK$2,719/mo
Today · 4.125%
HK$105,337
baseline
▲ 0.50% · 4.625%
HK$110,890
+HK$5,553/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,674/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,805
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,065
−HK$3,312/mo
Today · 4.125%
HK$111,377
baseline
▲ 0.50% · 4.625%
HK$118,154
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,754/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,594
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,721
−HK$3,173/mo
Today · 4.125%
HK$122,894
baseline
▲ 0.50% · 4.625%
HK$129,371
+HK$6,477/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$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,749
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,940
−HK$4,259/mo
Today · 4.125%
HK$143,199
baseline
▲ 0.50% · 4.625%
HK$151,912
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,398/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,907
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,927
−HK$4,079/mo
Today · 4.125%
HK$158,006
baseline
▲ 0.50% · 4.625%
HK$166,335
+HK$8,329/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,012/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,271 · Scale 2, in force from 26 Feb 2026)