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$74,938
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,269
−HK$2,369/mo
Today · 4.125%
HK$79,638
baseline
▲ 0.50% · 4.625%
HK$84,484
+HK$4,846/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,276/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,368
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,604
−HK$2,268/mo
Today · 4.125%
HK$87,872
baseline
▲ 0.50% · 4.625%
HK$92,504
+HK$4,632/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,744/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,926
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,723
−HK$2,842/mo
Today · 4.125%
HK$95,565
baseline
▲ 0.50% · 4.625%
HK$101,380
+HK$5,815/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,130/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,042
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,725
−HK$2,722/mo
Today · 4.125%
HK$105,447
baseline
▲ 0.50% · 4.625%
HK$111,005
+HK$5,558/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,894/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,914
−HK$6,579/mo
▼ 0.25% · 3.875%
HK$108,177
−HK$3,316/mo
Today · 4.125%
HK$111,493
baseline
▲ 0.50% · 4.625%
HK$118,277
+HK$6,784/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,986/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,716
−HK$6,305/mo
▼ 0.25% · 3.875%
HK$119,846
−HK$3,175/mo
Today · 4.125%
HK$123,021
baseline
▲ 0.50% · 4.625%
HK$129,506
+HK$6,485/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$246,042/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,889
−HK$8,459/mo
▼ 0.25% · 3.875%
HK$139,085
−HK$4,263/mo
Today · 4.125%
HK$143,348
baseline
▲ 0.50% · 4.625%
HK$152,070
+HK$8,722/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,696/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,063
−HK$8,107/mo
▼ 0.25% · 3.875%
HK$154,088
−HK$4,082/mo
Today · 4.125%
HK$158,170
baseline
▲ 0.50% · 4.625%
HK$166,508
+HK$8,338/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,340/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,723 · Scale 2, in force from 26 Feb 2026)