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$74,938
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,269
−HK$2,368/mo
Today · 4.125%
HK$79,637
baseline
▲ 0.50% · 4.625%
HK$84,483
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,274/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,368
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,604
−HK$2,268/mo
Today · 4.125%
HK$87,872
baseline
▲ 0.50% · 4.625%
HK$92,504
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,744/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,926
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,723
−HK$2,842/mo
Today · 4.125%
HK$95,565
baseline
▲ 0.50% · 4.625%
HK$101,380
+HK$5,815/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,130/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,042
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,725
−HK$2,721/mo
Today · 4.125%
HK$105,446
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,892/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,913
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,177
−HK$3,315/mo
Today · 4.125%
HK$111,492
baseline
▲ 0.50% · 4.625%
HK$118,276
+HK$6,784/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,984/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,715
−HK$6,306/mo
▼ 0.25% · 3.875%
HK$119,845
−HK$3,176/mo
Today · 4.125%
HK$123,021
baseline
▲ 0.50% · 4.625%
HK$129,505
+HK$6,484/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,042/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,889
−HK$8,458/mo
▼ 0.25% · 3.875%
HK$139,085
−HK$4,262/mo
Today · 4.125%
HK$143,347
baseline
▲ 0.50% · 4.625%
HK$152,070
+HK$8,723/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,694/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,062
−HK$8,108/mo
▼ 0.25% · 3.875%
HK$154,087
−HK$4,083/mo
Today · 4.125%
HK$158,170
baseline
▲ 0.50% · 4.625%
HK$166,507
+HK$8,337/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,340/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,717 · Scale 2, in force from 26 Feb 2026)