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$74,775
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,100
−HK$2,364/mo
Today · 4.125%
HK$79,464
baseline
▲ 0.50% · 4.625%
HK$84,299
+HK$4,835/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,928/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,186
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,417
−HK$2,263/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$92,302
+HK$4,622/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,729
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,521
−HK$2,835/mo
Today · 4.125%
HK$95,356
baseline
▲ 0.50% · 4.625%
HK$101,158
+HK$5,802/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,712/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,823
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,500
−HK$2,716/mo
Today · 4.125%
HK$105,216
baseline
▲ 0.50% · 4.625%
HK$110,762
+HK$5,546/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,432/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,684
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,941
−HK$3,308/mo
Today · 4.125%
HK$111,249
baseline
▲ 0.50% · 4.625%
HK$118,018
+HK$6,769/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$222,498/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,460
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,584
−HK$3,168/mo
Today · 4.125%
HK$122,752
baseline
▲ 0.50% · 4.625%
HK$129,223
+HK$6,471/mo
Deposit HK$9.84M · loan HK$22.95M · min. income ≈ HK$245,504/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,594
−HK$8,440/mo
▼ 0.25% · 3.875%
HK$138,781
−HK$4,253/mo
Today · 4.125%
HK$143,034
baseline
▲ 0.50% · 4.625%
HK$151,738
+HK$8,704/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$286,068/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,735
−HK$8,089/mo
▼ 0.25% · 3.875%
HK$153,750
−HK$4,074/mo
Today · 4.125%
HK$157,824
baseline
▲ 0.50% · 4.625%
HK$166,143
+HK$8,319/mo
Deposit HK$3.28M · loan HK$29.51M · min. income ≈ HK$315,648/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,667 · Scale 2, in force from 26 Feb 2026)