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$74,725
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,049
−HK$2,362/mo
Today · 4.125%
HK$79,411
baseline
▲ 0.50% · 4.625%
HK$84,243
+HK$4,832/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,822/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,131
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,360
−HK$2,262/mo
Today · 4.125%
HK$87,622
baseline
▲ 0.50% · 4.625%
HK$92,240
+HK$4,618/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,244/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,670
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,459
−HK$2,834/mo
Today · 4.125%
HK$95,293
baseline
▲ 0.50% · 4.625%
HK$101,091
+HK$5,798/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$190,586/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,757
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,432
−HK$2,714/mo
Today · 4.125%
HK$105,146
baseline
▲ 0.50% · 4.625%
HK$110,689
+HK$5,543/mo
Deposit HK$13.11M · loan HK$19.66M · min. income ≈ HK$210,292/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,615
−HK$6,560/mo
▼ 0.25% · 3.875%
HK$107,869
−HK$3,306/mo
Today · 4.125%
HK$111,175
baseline
▲ 0.50% · 4.625%
HK$117,940
+HK$6,765/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,350/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,383
−HK$6,288/mo
▼ 0.25% · 3.875%
HK$119,504
−HK$3,167/mo
Today · 4.125%
HK$122,671
baseline
▲ 0.50% · 4.625%
HK$129,137
+HK$6,466/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,342/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,505
−HK$8,434/mo
▼ 0.25% · 3.875%
HK$138,688
−HK$4,251/mo
Today · 4.125%
HK$142,939
baseline
▲ 0.50% · 4.625%
HK$151,637
+HK$8,698/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$285,878/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,635
−HK$8,084/mo
▼ 0.25% · 3.875%
HK$153,648
−HK$4,071/mo
Today · 4.125%
HK$157,719
baseline
▲ 0.50% · 4.625%
HK$166,033
+HK$8,314/mo
Deposit HK$3.28M · loan HK$29.49M · min. income ≈ HK$315,438/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,740 · Scale 2, in force from 26 Feb 2026)