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$74,929
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,260
−HK$2,368/mo
Today · 4.125%
HK$79,628
baseline
▲ 0.50% · 4.625%
HK$84,473
+HK$4,845/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,256/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,358
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,594
−HK$2,267/mo
Today · 4.125%
HK$87,861
baseline
▲ 0.50% · 4.625%
HK$92,493
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,722/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,915
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,712
−HK$2,841/mo
Today · 4.125%
HK$95,553
baseline
▲ 0.50% · 4.625%
HK$101,368
+HK$5,815/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$191,106/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,029
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,712
−HK$2,722/mo
Today · 4.125%
HK$105,434
baseline
▲ 0.50% · 4.625%
HK$110,991
+HK$5,557/mo
Deposit HK$13.14M · loan HK$19.72M · min. income ≈ HK$210,868/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,901
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$108,164
−HK$3,315/mo
Today · 4.125%
HK$111,479
baseline
▲ 0.50% · 4.625%
HK$118,262
+HK$6,783/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,958/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,701
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,831
−HK$3,175/mo
Today · 4.125%
HK$123,006
baseline
▲ 0.50% · 4.625%
HK$129,490
+HK$6,484/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,012/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,872
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,068
−HK$4,262/mo
Today · 4.125%
HK$143,330
baseline
▲ 0.50% · 4.625%
HK$152,051
+HK$8,721/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$286,660/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,044
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,068
−HK$4,083/mo
Today · 4.125%
HK$158,151
baseline
▲ 0.50% · 4.625%
HK$166,487
+HK$8,336/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$316,302/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,548 · Scale 2, in force from 26 Feb 2026)