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$74,441
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,757
−HK$2,353/mo
Today · 4.125%
HK$79,110
baseline
▲ 0.50% · 4.625%
HK$83,923
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,220/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,815
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,036
−HK$2,254/mo
Today · 4.125%
HK$87,290
baseline
▲ 0.50% · 4.625%
HK$91,891
+HK$4,601/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,580/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,330
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,108
−HK$2,823/mo
Today · 4.125%
HK$94,931
baseline
▲ 0.50% · 4.625%
HK$100,708
+HK$5,777/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,862/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,378
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,044
−HK$2,704/mo
Today · 4.125%
HK$104,748
baseline
▲ 0.50% · 4.625%
HK$110,269
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,496/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,218
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,460
−HK$3,293/mo
Today · 4.125%
HK$110,753
baseline
▲ 0.50% · 4.625%
HK$117,492
+HK$6,739/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,506/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,941
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,051
−HK$3,154/mo
Today · 4.125%
HK$122,205
baseline
▲ 0.50% · 4.625%
HK$128,647
+HK$6,442/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,410/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,995
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,163
−HK$4,234/mo
Today · 4.125%
HK$142,397
baseline
▲ 0.50% · 4.625%
HK$151,062
+HK$8,665/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,794/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,068
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,066
−HK$4,055/mo
Today · 4.125%
HK$157,121
baseline
▲ 0.50% · 4.625%
HK$165,403
+HK$8,282/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,242/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,459 · Scale 2, in force from 26 Feb 2026)