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$74,625
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,946
−HK$2,359/mo
Today · 4.125%
HK$79,305
baseline
▲ 0.50% · 4.625%
HK$84,130
+HK$4,825/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,610/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,020
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,246
−HK$2,259/mo
Today · 4.125%
HK$87,505
baseline
▲ 0.50% · 4.625%
HK$92,117
+HK$4,612/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$175,010/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,550
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,336
−HK$2,830/mo
Today · 4.125%
HK$95,166
baseline
▲ 0.50% · 4.625%
HK$100,956
+HK$5,790/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,332/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,624
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,295
−HK$2,711/mo
Today · 4.125%
HK$105,006
baseline
▲ 0.50% · 4.625%
HK$110,541
+HK$5,535/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,012/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,475
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,725
−HK$3,302/mo
Today · 4.125%
HK$111,027
baseline
▲ 0.50% · 4.625%
HK$117,782
+HK$6,755/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,054/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,227
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,345
−HK$3,162/mo
Today · 4.125%
HK$122,507
baseline
▲ 0.50% · 4.625%
HK$128,964
+HK$6,457/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,014/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,325
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,503
−HK$4,245/mo
Today · 4.125%
HK$142,748
baseline
▲ 0.50% · 4.625%
HK$151,434
+HK$8,686/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$285,496/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,435
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$153,443
−HK$4,066/mo
Today · 4.125%
HK$157,509
baseline
▲ 0.50% · 4.625%
HK$165,811
+HK$8,302/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$315,018/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,881 · Scale 2, in force from 26 Feb 2026)