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$74,865
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,194
−HK$2,366/mo
Today · 4.125%
HK$79,560
baseline
▲ 0.50% · 4.625%
HK$84,401
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,120/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,287
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,520
−HK$2,266/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$92,414
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,838
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,633
−HK$2,839/mo
Today · 4.125%
HK$95,472
baseline
▲ 0.50% · 4.625%
HK$101,281
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,944/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,944
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,624
−HK$2,720/mo
Today · 4.125%
HK$105,344
baseline
▲ 0.50% · 4.625%
HK$110,896
+HK$5,552/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,688/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,811
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,071
−HK$3,313/mo
Today · 4.125%
HK$111,384
baseline
▲ 0.50% · 4.625%
HK$118,161
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,768/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,601
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,728
−HK$3,173/mo
Today · 4.125%
HK$122,901
baseline
▲ 0.50% · 4.625%
HK$129,379
+HK$6,478/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,802/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,757
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,949
−HK$4,259/mo
Today · 4.125%
HK$143,208
baseline
▲ 0.50% · 4.625%
HK$151,921
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,416/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,916
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,937
−HK$4,078/mo
Today · 4.125%
HK$158,015
baseline
▲ 0.50% · 4.625%
HK$166,345
+HK$8,330/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,030/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,355 · Scale 2, in force from 26 Feb 2026)