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$74,694
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,018
−HK$2,360/mo
Today · 4.125%
HK$79,378
baseline
▲ 0.50% · 4.625%
HK$84,208
+HK$4,830/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,756/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,097
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,325
−HK$2,261/mo
Today · 4.125%
HK$87,586
baseline
▲ 0.50% · 4.625%
HK$92,203
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,172/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,633
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,421
−HK$2,833/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,796/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,390
−HK$2,713/mo
Today · 4.125%
HK$105,103
baseline
▲ 0.50% · 4.625%
HK$110,644
+HK$5,541/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,206/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,572
−HK$6,558/mo
▼ 0.25% · 3.875%
HK$107,825
−HK$3,305/mo
Today · 4.125%
HK$111,130
baseline
▲ 0.50% · 4.625%
HK$117,892
+HK$6,762/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,260/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,335
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,455
−HK$3,166/mo
Today · 4.125%
HK$122,621
baseline
▲ 0.50% · 4.625%
HK$129,084
+HK$6,463/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,242/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,450
−HK$8,431/mo
▼ 0.25% · 3.875%
HK$138,632
−HK$4,249/mo
Today · 4.125%
HK$142,881
baseline
▲ 0.50% · 4.625%
HK$151,575
+HK$8,694/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,762/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,574
−HK$8,081/mo
▼ 0.25% · 3.875%
HK$153,586
−HK$4,069/mo
Today · 4.125%
HK$157,655
baseline
▲ 0.50% · 4.625%
HK$165,965
+HK$8,310/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,310/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,173 · Scale 2, in force from 26 Feb 2026)