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$74,971
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,369/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,848/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,404
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,641
−HK$2,269/mo
Today · 4.125%
HK$87,910
baseline
▲ 0.50% · 4.625%
HK$92,544
+HK$4,634/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$175,820/mo (50% DSR)
Upfront cash ≈ HK$17.84M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,965
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,763
−HK$2,843/mo
Today · 4.125%
HK$95,606
baseline
▲ 0.50% · 4.625%
HK$101,424
+HK$5,818/mo
Deposit HK$13.15M · loan HK$19.73M · min. income ≈ HK$191,212/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,085
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,769
−HK$2,723/mo
Today · 4.125%
HK$105,492
baseline
▲ 0.50% · 4.625%
HK$111,053
+HK$5,561/mo
Deposit HK$13.15M · loan HK$19.73M · min. income ≈ HK$210,984/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,959
−HK$6,582/mo
▼ 0.25% · 3.875%
HK$108,224
−HK$3,317/mo
Today · 4.125%
HK$111,541
baseline
▲ 0.50% · 4.625%
HK$118,328
+HK$6,787/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,082/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,766
−HK$6,308/mo
▼ 0.25% · 3.875%
HK$119,897
−HK$3,177/mo
Today · 4.125%
HK$123,074
baseline
▲ 0.50% · 4.625%
HK$129,562
+HK$6,488/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,148/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,947
−HK$8,463/mo
▼ 0.25% · 3.875%
HK$139,145
−HK$4,265/mo
Today · 4.125%
HK$143,410
baseline
▲ 0.50% · 4.625%
HK$152,136
+HK$8,726/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$286,820/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,128
−HK$8,110/mo
▼ 0.25% · 3.875%
HK$154,154
−HK$4,084/mo
Today · 4.125%
HK$158,238
baseline
▲ 0.50% · 4.625%
HK$166,579
+HK$8,341/mo
Deposit HK$3.29M · loan HK$29.59M · min. income ≈ HK$316,476/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$1,397,324 · Scale 2, in force from 26 Feb 2026)