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$74,636
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,958
−HK$2,358/mo
Today · 4.125%
HK$79,316
baseline
▲ 0.50% · 4.625%
HK$84,143
+HK$4,827/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,632/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,032
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,259
−HK$2,259/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,131
+HK$4,613/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,563
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,349
−HK$2,831/mo
Today · 4.125%
HK$95,180
baseline
▲ 0.50% · 4.625%
HK$100,971
+HK$5,791/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,360/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,638
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,310
−HK$2,711/mo
Today · 4.125%
HK$105,021
baseline
▲ 0.50% · 4.625%
HK$110,557
+HK$5,536/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,042/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,490
−HK$6,553/mo
▼ 0.25% · 3.875%
HK$107,741
−HK$3,302/mo
Today · 4.125%
HK$111,043
baseline
▲ 0.50% · 4.625%
HK$117,800
+HK$6,757/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,086/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,245
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,362
−HK$3,163/mo
Today · 4.125%
HK$122,525
baseline
▲ 0.50% · 4.625%
HK$128,983
+HK$6,458/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,050/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,345
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$138,524
−HK$4,245/mo
Today · 4.125%
HK$142,769
baseline
▲ 0.50% · 4.625%
HK$151,457
+HK$8,688/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,538/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,457
−HK$8,075/mo
▼ 0.25% · 3.875%
HK$153,466
−HK$4,066/mo
Today · 4.125%
HK$157,532
baseline
▲ 0.50% · 4.625%
HK$165,836
+HK$8,304/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,064/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,391,086 · Scale 2, in force from 26 Feb 2026)