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$74,617
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,938
−HK$2,358/mo
Today · 4.125%
HK$79,296
baseline
▲ 0.50% · 4.625%
HK$84,121
+HK$4,825/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,592/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,010
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,236
−HK$2,259/mo
Today · 4.125%
HK$87,495
baseline
▲ 0.50% · 4.625%
HK$92,107
+HK$4,612/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$174,990/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,540
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,325
−HK$2,830/mo
Today · 4.125%
HK$95,155
baseline
▲ 0.50% · 4.625%
HK$100,945
+HK$5,790/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$190,310/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,612
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,284
−HK$2,710/mo
Today · 4.125%
HK$104,994
baseline
▲ 0.50% · 4.625%
HK$110,528
+HK$5,534/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$209,988/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,463
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,713
−HK$3,301/mo
Today · 4.125%
HK$111,014
baseline
▲ 0.50% · 4.625%
HK$117,769
+HK$6,755/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,028/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,214
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,331
−HK$3,162/mo
Today · 4.125%
HK$122,493
baseline
▲ 0.50% · 4.625%
HK$128,950
+HK$6,457/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$244,986/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,310
−HK$8,422/mo
▼ 0.25% · 3.875%
HK$138,488
−HK$4,244/mo
Today · 4.125%
HK$142,732
baseline
▲ 0.50% · 4.625%
HK$151,417
+HK$8,685/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$285,464/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,418
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,426
−HK$4,065/mo
Today · 4.125%
HK$157,491
baseline
▲ 0.50% · 4.625%
HK$165,793
+HK$8,302/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$314,982/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,723 · Scale 2, in force from 26 Feb 2026)