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$74,618
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,359/mo
Today · 4.125%
HK$79,298
baseline
▲ 0.50% · 4.625%
HK$84,123
+HK$4,825/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,596/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,012
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,239
−HK$2,258/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,109
+HK$4,612/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,542
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,327
−HK$2,830/mo
Today · 4.125%
HK$95,157
baseline
▲ 0.50% · 4.625%
HK$100,947
+HK$5,790/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$190,314/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,615
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,286
−HK$2,710/mo
Today · 4.125%
HK$104,996
baseline
▲ 0.50% · 4.625%
HK$110,531
+HK$5,535/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$209,992/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,466
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,715
−HK$3,302/mo
Today · 4.125%
HK$111,017
baseline
▲ 0.50% · 4.625%
HK$117,772
+HK$6,755/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,034/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,217
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,334
−HK$3,162/mo
Today · 4.125%
HK$122,496
baseline
▲ 0.50% · 4.625%
HK$128,953
+HK$6,457/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$244,992/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,313
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,491
−HK$4,245/mo
Today · 4.125%
HK$142,736
baseline
▲ 0.50% · 4.625%
HK$151,421
+HK$8,685/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$285,472/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,422
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,429
−HK$4,066/mo
Today · 4.125%
HK$157,495
baseline
▲ 0.50% · 4.625%
HK$165,796
+HK$8,301/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$314,990/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,756 · Scale 2, in force from 26 Feb 2026)