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$74,871
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,200
−HK$2,367/mo
Today · 4.125%
HK$79,567
baseline
▲ 0.50% · 4.625%
HK$84,408
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,134/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,294
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,528
−HK$2,266/mo
Today · 4.125%
HK$87,794
baseline
▲ 0.50% · 4.625%
HK$92,422
+HK$4,628/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,588/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,846
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,640
−HK$2,840/mo
Today · 4.125%
HK$95,480
baseline
▲ 0.50% · 4.625%
HK$101,290
+HK$5,810/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,960/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,952
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,633
−HK$2,720/mo
Today · 4.125%
HK$105,353
baseline
▲ 0.50% · 4.625%
HK$110,906
+HK$5,553/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,706/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,820
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,081
−HK$3,312/mo
Today · 4.125%
HK$111,393
baseline
▲ 0.50% · 4.625%
HK$118,171
+HK$6,778/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,786/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,611
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,739
−HK$3,172/mo
Today · 4.125%
HK$122,911
baseline
▲ 0.50% · 4.625%
HK$129,390
+HK$6,479/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,822/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,769
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,961
−HK$4,259/mo
Today · 4.125%
HK$143,220
baseline
▲ 0.50% · 4.625%
HK$151,934
+HK$8,714/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,440/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,929
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,950
−HK$4,079/mo
Today · 4.125%
HK$158,029
baseline
▲ 0.50% · 4.625%
HK$166,359
+HK$8,330/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,058/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,474 · Scale 2, in force from 26 Feb 2026)