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$74,671
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,993
−HK$2,360/mo
Today · 4.125%
HK$79,353
baseline
▲ 0.50% · 4.625%
HK$84,182
+HK$4,829/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,706/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,070
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,298
−HK$2,260/mo
Today · 4.125%
HK$87,558
baseline
▲ 0.50% · 4.625%
HK$92,174
+HK$4,616/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,116/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,605
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,392
−HK$2,832/mo
Today · 4.125%
HK$95,224
baseline
▲ 0.50% · 4.625%
HK$101,018
+HK$5,794/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,448/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,684
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,358
−HK$2,712/mo
Today · 4.125%
HK$105,070
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$5,538/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,140/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,539
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,791
−HK$3,303/mo
Today · 4.125%
HK$111,094
baseline
▲ 0.50% · 4.625%
HK$117,854
+HK$6,760/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,188/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,298
−HK$6,284/mo
▼ 0.25% · 3.875%
HK$119,417
−HK$3,165/mo
Today · 4.125%
HK$122,582
baseline
▲ 0.50% · 4.625%
HK$129,043
+HK$6,461/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,164/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,407
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$138,588
−HK$4,248/mo
Today · 4.125%
HK$142,836
baseline
▲ 0.50% · 4.625%
HK$151,527
+HK$8,691/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,672/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,526
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$153,537
−HK$4,068/mo
Today · 4.125%
HK$157,605
baseline
▲ 0.50% · 4.625%
HK$165,912
+HK$8,307/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,210/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,729 · Scale 2, in force from 26 Feb 2026)