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$74,965
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,296
−HK$2,369/mo
Today · 4.125%
HK$79,665
baseline
▲ 0.50% · 4.625%
HK$84,513
+HK$4,848/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$159,330/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,397
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,634
−HK$2,269/mo
Today · 4.125%
HK$87,903
baseline
▲ 0.50% · 4.625%
HK$92,536
+HK$4,633/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$175,806/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,957
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,756
−HK$2,843/mo
Today · 4.125%
HK$95,599
baseline
▲ 0.50% · 4.625%
HK$101,415
+HK$5,816/mo
Deposit HK$13.15M · loan HK$19.73M · min. income ≈ HK$191,198/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,077
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,761
−HK$2,723/mo
Today · 4.125%
HK$105,484
baseline
▲ 0.50% · 4.625%
HK$111,044
+HK$5,560/mo
Deposit HK$13.15M · loan HK$19.73M · min. income ≈ HK$210,968/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,950
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,215
−HK$3,317/mo
Today · 4.125%
HK$111,532
baseline
▲ 0.50% · 4.625%
HK$118,318
+HK$6,786/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,064/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,756
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,887
−HK$3,177/mo
Today · 4.125%
HK$123,064
baseline
▲ 0.50% · 4.625%
HK$129,551
+HK$6,487/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,128/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,936
−HK$8,462/mo
▼ 0.25% · 3.875%
HK$139,133
−HK$4,265/mo
Today · 4.125%
HK$143,398
baseline
▲ 0.50% · 4.625%
HK$152,123
+HK$8,725/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$286,796/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,115
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$154,141
−HK$4,084/mo
Today · 4.125%
HK$158,225
baseline
▲ 0.50% · 4.625%
HK$166,566
+HK$8,341/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$316,450/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,397,208 · Scale 2, in force from 26 Feb 2026)