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$74,865
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,193
−HK$2,366/mo
Today · 4.125%
HK$79,559
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,118/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,286
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,520
−HK$2,266/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$92,413
+HK$4,627/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,837
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,632
−HK$2,839/mo
Today · 4.125%
HK$95,471
baseline
▲ 0.50% · 4.625%
HK$101,280
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,942/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,943
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,624
−HK$2,719/mo
Today · 4.125%
HK$105,343
baseline
▲ 0.50% · 4.625%
HK$110,896
+HK$5,553/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,686/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,810
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,071
−HK$3,312/mo
Today · 4.125%
HK$111,383
baseline
▲ 0.50% · 4.625%
HK$118,160
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,766/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,601
−HK$6,299/mo
▼ 0.25% · 3.875%
HK$119,728
−HK$3,172/mo
Today · 4.125%
HK$122,900
baseline
▲ 0.50% · 4.625%
HK$129,378
+HK$6,478/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,800/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,756
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,948
−HK$4,259/mo
Today · 4.125%
HK$143,207
baseline
▲ 0.50% · 4.625%
HK$151,920
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,414/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,915
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,936
−HK$4,078/mo
Today · 4.125%
HK$158,014
baseline
▲ 0.50% · 4.625%
HK$166,344
+HK$8,330/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,028/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,345 · Scale 2, in force from 26 Feb 2026)