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$74,587
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,907
−HK$2,357/mo
Today · 4.125%
HK$79,264
baseline
▲ 0.50% · 4.625%
HK$84,087
+HK$4,823/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,528/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,977
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,202
−HK$2,258/mo
Today · 4.125%
HK$87,460
baseline
▲ 0.50% · 4.625%
HK$92,070
+HK$4,610/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,920/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,504
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,288
−HK$2,829/mo
Today · 4.125%
HK$95,117
baseline
▲ 0.50% · 4.625%
HK$100,904
+HK$5,787/mo
Deposit HK$13.08M · loan HK$19.63M · min. income ≈ HK$190,234/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,572
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,243
−HK$2,709/mo
Today · 4.125%
HK$104,952
baseline
▲ 0.50% · 4.625%
HK$110,484
+HK$5,532/mo
Deposit HK$13.08M · loan HK$19.63M · min. income ≈ HK$209,904/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,421
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,670
−HK$3,300/mo
Today · 4.125%
HK$110,970
baseline
▲ 0.50% · 4.625%
HK$117,722
+HK$6,752/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$221,940/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,168
−HK$6,276/mo
▼ 0.25% · 3.875%
HK$119,283
−HK$3,161/mo
Today · 4.125%
HK$122,444
baseline
▲ 0.50% · 4.625%
HK$128,898
+HK$6,454/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$244,888/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,256
−HK$8,419/mo
▼ 0.25% · 3.875%
HK$138,432
−HK$4,243/mo
Today · 4.125%
HK$142,675
baseline
▲ 0.50% · 4.625%
HK$151,357
+HK$8,682/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,350/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,359
−HK$8,069/mo
▼ 0.25% · 3.875%
HK$153,364
−HK$4,064/mo
Today · 4.125%
HK$157,428
baseline
▲ 0.50% · 4.625%
HK$165,726
+HK$8,298/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,856/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,168 · Scale 2, in force from 26 Feb 2026)