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$74,488
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,805
−HK$2,354/mo
Today · 4.125%
HK$79,159
baseline
▲ 0.50% · 4.625%
HK$83,976
+HK$4,817/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,318/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,867
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,090
−HK$2,254/mo
Today · 4.125%
HK$87,344
baseline
▲ 0.50% · 4.625%
HK$91,948
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,688/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,386
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,166
−HK$2,825/mo
Today · 4.125%
HK$94,991
baseline
▲ 0.50% · 4.625%
HK$100,771
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,982/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,441
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,108
−HK$2,705/mo
Today · 4.125%
HK$104,813
baseline
▲ 0.50% · 4.625%
HK$110,338
+HK$5,525/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,626/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,283
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,527
−HK$3,296/mo
Today · 4.125%
HK$110,823
baseline
▲ 0.50% · 4.625%
HK$117,566
+HK$6,743/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,646/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,014
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,126
−HK$3,156/mo
Today · 4.125%
HK$122,282
baseline
▲ 0.50% · 4.625%
HK$128,728
+HK$6,446/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,564/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,079
−HK$8,408/mo
▼ 0.25% · 3.875%
HK$138,249
−HK$4,238/mo
Today · 4.125%
HK$142,487
baseline
▲ 0.50% · 4.625%
HK$151,156
+HK$8,669/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,974/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,161
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,162
−HK$4,058/mo
Today · 4.125%
HK$157,220
baseline
▲ 0.50% · 4.625%
HK$165,507
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,440/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,329 · Scale 2, in force from 26 Feb 2026)