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$74,836
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,164
−HK$2,365/mo
Today · 4.125%
HK$79,529
baseline
▲ 0.50% · 4.625%
HK$84,369
+HK$4,840/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,058/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,255
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,488
−HK$2,265/mo
Today · 4.125%
HK$87,753
baseline
▲ 0.50% · 4.625%
HK$92,378
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,506/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,804
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,597
−HK$2,838/mo
Today · 4.125%
HK$95,435
baseline
▲ 0.50% · 4.625%
HK$101,242
+HK$5,807/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,870/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,906
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,585
−HK$2,718/mo
Today · 4.125%
HK$105,303
baseline
▲ 0.50% · 4.625%
HK$110,854
+HK$5,551/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,606/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,771
−HK$6,570/mo
▼ 0.25% · 3.875%
HK$108,030
−HK$3,311/mo
Today · 4.125%
HK$111,341
baseline
▲ 0.50% · 4.625%
HK$118,116
+HK$6,775/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$222,682/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,557
−HK$6,297/mo
▼ 0.25% · 3.875%
HK$119,683
−HK$3,171/mo
Today · 4.125%
HK$122,854
baseline
▲ 0.50% · 4.625%
HK$129,330
+HK$6,476/mo
Deposit HK$9.85M · loan HK$22.97M · min. income ≈ HK$245,708/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,706
−HK$8,447/mo
▼ 0.25% · 3.875%
HK$138,896
−HK$4,257/mo
Today · 4.125%
HK$143,153
baseline
▲ 0.50% · 4.625%
HK$151,863
+HK$8,710/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,306/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,859
−HK$8,096/mo
▼ 0.25% · 3.875%
HK$153,878
−HK$4,077/mo
Today · 4.125%
HK$157,955
baseline
▲ 0.50% · 4.625%
HK$166,281
+HK$8,326/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,910/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,822 · Scale 2, in force from 26 Feb 2026)