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$74,408
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,722
−HK$2,352/mo
Today · 4.125%
HK$79,074
baseline
▲ 0.50% · 4.625%
HK$83,885
+HK$4,811/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,148/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,778
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,998
−HK$2,252/mo
Today · 4.125%
HK$87,250
baseline
▲ 0.50% · 4.625%
HK$91,849
+HK$4,599/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,500/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,289
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,821/mo
Today · 4.125%
HK$94,888
baseline
▲ 0.50% · 4.625%
HK$100,662
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,776/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,333
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,997
−HK$2,703/mo
Today · 4.125%
HK$104,700
baseline
▲ 0.50% · 4.625%
HK$110,219
+HK$5,519/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,400/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,171
−HK$6,532/mo
▼ 0.25% · 3.875%
HK$107,411
−HK$3,292/mo
Today · 4.125%
HK$110,703
baseline
▲ 0.50% · 4.625%
HK$117,439
+HK$6,736/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,406/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,889
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,997
−HK$3,153/mo
Today · 4.125%
HK$122,150
baseline
▲ 0.50% · 4.625%
HK$128,589
+HK$6,439/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,300/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,934
−HK$8,398/mo
▼ 0.25% · 3.875%
HK$138,100
−HK$4,232/mo
Today · 4.125%
HK$142,332
baseline
▲ 0.50% · 4.625%
HK$150,993
+HK$8,661/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,664/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,000
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$152,996
−HK$4,054/mo
Today · 4.125%
HK$157,050
baseline
▲ 0.50% · 4.625%
HK$165,328
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,100/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,828 · Scale 2, in force from 26 Feb 2026)