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$74,534
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,852
−HK$2,356/mo
Today · 4.125%
HK$79,208
baseline
▲ 0.50% · 4.625%
HK$84,028
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,416/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,918
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,142
−HK$2,256/mo
Today · 4.125%
HK$87,398
baseline
▲ 0.50% · 4.625%
HK$92,005
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,796/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,441
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,223
−HK$2,826/mo
Today · 4.125%
HK$95,049
baseline
▲ 0.50% · 4.625%
HK$100,833
+HK$5,784/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,098/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,502
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,171
−HK$2,707/mo
Today · 4.125%
HK$104,878
baseline
▲ 0.50% · 4.625%
HK$110,406
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,756/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,348
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,593
−HK$3,298/mo
Today · 4.125%
HK$110,891
baseline
▲ 0.50% · 4.625%
HK$117,639
+HK$6,748/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,782/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,086
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,199
−HK$3,158/mo
Today · 4.125%
HK$122,357
baseline
▲ 0.50% · 4.625%
HK$128,807
+HK$6,450/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,714/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,161
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,334
−HK$4,240/mo
Today · 4.125%
HK$142,574
baseline
▲ 0.50% · 4.625%
HK$151,250
+HK$8,676/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,148/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,253
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,256
−HK$4,061/mo
Today · 4.125%
HK$157,317
baseline
▲ 0.50% · 4.625%
HK$165,609
+HK$8,292/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,634/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,184 · Scale 2, in force from 26 Feb 2026)