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$74,908
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,238
−HK$2,367/mo
Today · 4.125%
HK$79,605
baseline
▲ 0.50% · 4.625%
HK$84,449
+HK$4,844/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$159,210/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,334
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,569
−HK$2,267/mo
Today · 4.125%
HK$87,836
baseline
▲ 0.50% · 4.625%
HK$92,466
+HK$4,630/mo
Deposit HK$16.43M · loan HK$16.43M · min. income ≈ HK$175,672/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,889
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,685
−HK$2,841/mo
Today · 4.125%
HK$95,526
baseline
▲ 0.50% · 4.625%
HK$101,339
+HK$5,813/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,052/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,001
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,683
−HK$2,721/mo
Today · 4.125%
HK$105,404
baseline
▲ 0.50% · 4.625%
HK$110,959
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,808/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,871
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,133
−HK$3,314/mo
Today · 4.125%
HK$111,447
baseline
▲ 0.50% · 4.625%
HK$118,228
+HK$6,781/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$222,894/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,668
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,797
−HK$3,174/mo
Today · 4.125%
HK$122,971
baseline
▲ 0.50% · 4.625%
HK$129,453
+HK$6,482/mo
Deposit HK$9.86M · loan HK$23.00M · min. income ≈ HK$245,942/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,834
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,028
−HK$4,261/mo
Today · 4.125%
HK$143,289
baseline
▲ 0.50% · 4.625%
HK$152,008
+HK$8,719/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$286,578/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,001
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,024
−HK$4,081/mo
Today · 4.125%
HK$158,105
baseline
▲ 0.50% · 4.625%
HK$166,439
+HK$8,334/mo
Deposit HK$3.29M · loan HK$29.57M · min. income ≈ HK$316,210/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,148 · Scale 2, in force from 26 Feb 2026)