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$74,652
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,974
−HK$2,360/mo
Today · 4.125%
HK$79,334
baseline
▲ 0.50% · 4.625%
HK$84,161
+HK$4,827/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,668/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,050
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,277
−HK$2,260/mo
Today · 4.125%
HK$87,537
baseline
▲ 0.50% · 4.625%
HK$92,151
+HK$4,614/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,074/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,583
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,369
−HK$2,831/mo
Today · 4.125%
HK$95,200
baseline
▲ 0.50% · 4.625%
HK$100,993
+HK$5,793/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$190,400/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,660
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,333
−HK$2,711/mo
Today · 4.125%
HK$105,044
baseline
▲ 0.50% · 4.625%
HK$110,581
+HK$5,537/mo
Deposit HK$13.10M · loan HK$19.64M · min. income ≈ HK$210,088/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,513
−HK$6,554/mo
▼ 0.25% · 3.875%
HK$107,764
−HK$3,303/mo
Today · 4.125%
HK$111,067
baseline
▲ 0.50% · 4.625%
HK$117,825
+HK$6,758/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,134/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,270
−HK$6,282/mo
▼ 0.25% · 3.875%
HK$119,388
−HK$3,164/mo
Today · 4.125%
HK$122,552
baseline
▲ 0.50% · 4.625%
HK$129,011
+HK$6,459/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,104/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,374
−HK$8,427/mo
▼ 0.25% · 3.875%
HK$138,554
−HK$4,247/mo
Today · 4.125%
HK$142,801
baseline
▲ 0.50% · 4.625%
HK$151,490
+HK$8,689/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,602/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,490
−HK$8,076/mo
▼ 0.25% · 3.875%
HK$153,499
−HK$4,067/mo
Today · 4.125%
HK$157,566
baseline
▲ 0.50% · 4.625%
HK$165,872
+HK$8,306/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,132/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,389 · Scale 2, in force from 26 Feb 2026)