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$74,678
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,001
−HK$2,360/mo
Today · 4.125%
HK$79,361
baseline
▲ 0.50% · 4.625%
HK$84,190
+HK$4,829/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,722/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,078
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,307
−HK$2,260/mo
Today · 4.125%
HK$87,567
baseline
▲ 0.50% · 4.625%
HK$92,183
+HK$4,616/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,134/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,613
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,401
−HK$2,832/mo
Today · 4.125%
HK$95,233
baseline
▲ 0.50% · 4.625%
HK$101,028
+HK$5,795/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,466/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,694
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,368
−HK$2,712/mo
Today · 4.125%
HK$105,080
baseline
▲ 0.50% · 4.625%
HK$110,619
+HK$5,539/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,160/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,549
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,801
−HK$3,304/mo
Today · 4.125%
HK$111,105
baseline
▲ 0.50% · 4.625%
HK$117,866
+HK$6,761/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,210/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,310
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,429
−HK$3,165/mo
Today · 4.125%
HK$122,594
baseline
▲ 0.50% · 4.625%
HK$129,056
+HK$6,462/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,188/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,420
−HK$8,430/mo
▼ 0.25% · 3.875%
HK$138,601
−HK$4,249/mo
Today · 4.125%
HK$142,850
baseline
▲ 0.50% · 4.625%
HK$151,542
+HK$8,692/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,700/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,541
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$153,552
−HK$4,068/mo
Today · 4.125%
HK$157,620
baseline
▲ 0.50% · 4.625%
HK$165,929
+HK$8,309/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,240/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,866 · Scale 2, in force from 26 Feb 2026)