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$74,541
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,859
−HK$2,356/mo
Today · 4.125%
HK$79,215
baseline
▲ 0.50% · 4.625%
HK$84,035
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,430/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,926
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,150
−HK$2,256/mo
Today · 4.125%
HK$87,406
baseline
▲ 0.50% · 4.625%
HK$92,013
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,812/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,449
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,231
−HK$2,827/mo
Today · 4.125%
HK$95,058
baseline
▲ 0.50% · 4.625%
HK$100,842
+HK$5,784/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$190,116/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,511
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,180
−HK$2,707/mo
Today · 4.125%
HK$104,887
baseline
▲ 0.50% · 4.625%
HK$110,416
+HK$5,529/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$209,774/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,357
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,603
−HK$3,298/mo
Today · 4.125%
HK$110,901
baseline
▲ 0.50% · 4.625%
HK$117,649
+HK$6,748/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,802/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,096
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,210
−HK$3,158/mo
Today · 4.125%
HK$122,368
baseline
▲ 0.50% · 4.625%
HK$128,819
+HK$6,451/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,736/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,173
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,347
−HK$4,240/mo
Today · 4.125%
HK$142,587
baseline
▲ 0.50% · 4.625%
HK$151,263
+HK$8,676/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,174/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,266
−HK$8,065/mo
▼ 0.25% · 3.875%
HK$153,270
−HK$4,061/mo
Today · 4.125%
HK$157,331
baseline
▲ 0.50% · 4.625%
HK$165,624
+HK$8,293/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,662/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,309 · Scale 2, in force from 26 Feb 2026)