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$74,666
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,988
−HK$2,360/mo
Today · 4.125%
HK$79,348
baseline
▲ 0.50% · 4.625%
HK$84,176
+HK$4,828/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,696/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,065
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,293
−HK$2,260/mo
Today · 4.125%
HK$87,553
baseline
▲ 0.50% · 4.625%
HK$92,168
+HK$4,615/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,106/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,599
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,386
−HK$2,832/mo
Today · 4.125%
HK$95,218
baseline
▲ 0.50% · 4.625%
HK$101,011
+HK$5,793/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,436/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,678
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,351
−HK$2,712/mo
Today · 4.125%
HK$105,063
baseline
▲ 0.50% · 4.625%
HK$110,601
+HK$5,538/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,126/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,532
−HK$6,555/mo
▼ 0.25% · 3.875%
HK$107,784
−HK$3,303/mo
Today · 4.125%
HK$111,087
baseline
▲ 0.50% · 4.625%
HK$117,847
+HK$6,760/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,174/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,291
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,410
−HK$3,164/mo
Today · 4.125%
HK$122,574
baseline
▲ 0.50% · 4.625%
HK$129,035
+HK$6,461/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,148/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,399
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,579
−HK$4,247/mo
Today · 4.125%
HK$142,826
baseline
▲ 0.50% · 4.625%
HK$151,517
+HK$8,691/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,652/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,517
−HK$8,078/mo
▼ 0.25% · 3.875%
HK$153,527
−HK$4,068/mo
Today · 4.125%
HK$157,595
baseline
▲ 0.50% · 4.625%
HK$165,902
+HK$8,307/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,190/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,641 · Scale 2, in force from 26 Feb 2026)