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$74,881
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,210
−HK$2,367/mo
Today · 4.125%
HK$79,577
baseline
▲ 0.50% · 4.625%
HK$84,419
+HK$4,842/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,154/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,304
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,539
−HK$2,266/mo
Today · 4.125%
HK$87,805
baseline
▲ 0.50% · 4.625%
HK$92,433
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,610/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,857
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,652
−HK$2,840/mo
Today · 4.125%
HK$95,492
baseline
▲ 0.50% · 4.625%
HK$101,303
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$190,984/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,965
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$2,720/mo
Today · 4.125%
HK$105,366
baseline
▲ 0.50% · 4.625%
HK$110,920
+HK$5,554/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$210,732/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,834
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,094
−HK$3,313/mo
Today · 4.125%
HK$111,407
baseline
▲ 0.50% · 4.625%
HK$118,186
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,814/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,626
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,754
−HK$3,173/mo
Today · 4.125%
HK$122,927
baseline
▲ 0.50% · 4.625%
HK$129,407
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,854/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,786
−HK$8,452/mo
▼ 0.25% · 3.875%
HK$138,979
−HK$4,259/mo
Today · 4.125%
HK$143,238
baseline
▲ 0.50% · 4.625%
HK$151,954
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,476/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,948
−HK$8,101/mo
▼ 0.25% · 3.875%
HK$153,970
−HK$4,079/mo
Today · 4.125%
HK$158,049
baseline
▲ 0.50% · 4.625%
HK$166,380
+HK$8,331/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,098/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,653 · Scale 2, in force from 26 Feb 2026)