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$74,810
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,365/mo
Today · 4.125%
HK$79,502
baseline
▲ 0.50% · 4.625%
HK$84,339
+HK$4,837/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$159,004/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,226
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,458
−HK$2,264/mo
Today · 4.125%
HK$87,722
baseline
▲ 0.50% · 4.625%
HK$92,346
+HK$4,624/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,444/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,772
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,565
−HK$2,837/mo
Today · 4.125%
HK$95,402
baseline
▲ 0.50% · 4.625%
HK$101,207
+HK$5,805/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,804/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,871
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,549
−HK$2,718/mo
Today · 4.125%
HK$105,267
baseline
▲ 0.50% · 4.625%
HK$110,815
+HK$5,548/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,534/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,734
−HK$6,568/mo
▼ 0.25% · 3.875%
HK$107,992
−HK$3,310/mo
Today · 4.125%
HK$111,302
baseline
▲ 0.50% · 4.625%
HK$118,075
+HK$6,773/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,604/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,516
−HK$6,295/mo
▼ 0.25% · 3.875%
HK$119,641
−HK$3,170/mo
Today · 4.125%
HK$122,811
baseline
▲ 0.50% · 4.625%
HK$129,285
+HK$6,474/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,622/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,659
−HK$8,444/mo
▼ 0.25% · 3.875%
HK$138,847
−HK$4,256/mo
Today · 4.125%
HK$143,103
baseline
▲ 0.50% · 4.625%
HK$151,810
+HK$8,707/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,206/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,806
−HK$8,094/mo
▼ 0.25% · 3.875%
HK$153,824
−HK$4,076/mo
Today · 4.125%
HK$157,900
baseline
▲ 0.50% · 4.625%
HK$166,223
+HK$8,323/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,800/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,335 · Scale 2, in force from 26 Feb 2026)