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$74,998
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,331
−HK$2,370/mo
Today · 4.125%
HK$79,701
baseline
▲ 0.50% · 4.625%
HK$84,551
+HK$4,850/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$159,402/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,435
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,672
−HK$2,270/mo
Today · 4.125%
HK$87,942
baseline
▲ 0.50% · 4.625%
HK$92,578
+HK$4,636/mo
Deposit HK$16.45M · loan HK$16.45M · min. income ≈ HK$175,884/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,998
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,797
−HK$2,844/mo
Today · 4.125%
HK$95,641
baseline
▲ 0.50% · 4.625%
HK$101,461
+HK$5,820/mo
Deposit HK$13.16M · loan HK$19.73M · min. income ≈ HK$191,282/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,122
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,807
−HK$2,724/mo
Today · 4.125%
HK$105,531
baseline
▲ 0.50% · 4.625%
HK$111,093
+HK$5,562/mo
Deposit HK$13.16M · loan HK$19.73M · min. income ≈ HK$211,062/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,997
−HK$6,585/mo
▼ 0.25% · 3.875%
HK$108,263
−HK$3,319/mo
Today · 4.125%
HK$111,582
baseline
▲ 0.50% · 4.625%
HK$118,371
+HK$6,789/mo
Deposit HK$9.87M · loan HK$23.02M · min. income ≈ HK$223,164/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,808
−HK$6,311/mo
▼ 0.25% · 3.875%
HK$119,941
−HK$3,178/mo
Today · 4.125%
HK$123,119
baseline
▲ 0.50% · 4.625%
HK$129,609
+HK$6,490/mo
Deposit HK$9.87M · loan HK$23.02M · min. income ≈ HK$246,238/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,997
−HK$8,465/mo
▼ 0.25% · 3.875%
HK$139,196
−HK$4,266/mo
Today · 4.125%
HK$143,462
baseline
▲ 0.50% · 4.625%
HK$152,191
+HK$8,729/mo
Deposit HK$3.29M · loan HK$29.60M · min. income ≈ HK$286,924/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,182
−HK$8,114/mo
▼ 0.25% · 3.875%
HK$154,210
−HK$4,086/mo
Today · 4.125%
HK$158,296
baseline
▲ 0.50% · 4.625%
HK$166,640
+HK$8,344/mo
Deposit HK$3.29M · loan HK$29.60M · min. income ≈ HK$316,592/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,834 · Scale 2, in force from 26 Feb 2026)