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$74,695
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,018
−HK$2,361/mo
Today · 4.125%
HK$79,379
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,758/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,097
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,326
−HK$2,261/mo
Today · 4.125%
HK$87,587
baseline
▲ 0.50% · 4.625%
HK$92,203
+HK$4,616/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,174/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,634
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,422
−HK$2,832/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,796/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,391
−HK$2,713/mo
Today · 4.125%
HK$105,104
baseline
▲ 0.50% · 4.625%
HK$110,644
+HK$5,540/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,208/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,573
−HK$6,557/mo
▼ 0.25% · 3.875%
HK$107,825
−HK$3,305/mo
Today · 4.125%
HK$111,130
baseline
▲ 0.50% · 4.625%
HK$117,892
+HK$6,762/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,260/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,336
−HK$6,285/mo
▼ 0.25% · 3.875%
HK$119,456
−HK$3,165/mo
Today · 4.125%
HK$122,621
baseline
▲ 0.50% · 4.625%
HK$129,085
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,242/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,450
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,633
−HK$4,249/mo
Today · 4.125%
HK$142,882
baseline
▲ 0.50% · 4.625%
HK$151,576
+HK$8,694/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,764/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,575
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,586
−HK$4,070/mo
Today · 4.125%
HK$157,656
baseline
▲ 0.50% · 4.625%
HK$165,966
+HK$8,310/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,312/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,179 · Scale 2, in force from 26 Feb 2026)