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$74,796
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,122
−HK$2,364/mo
Today · 4.125%
HK$79,486
baseline
▲ 0.50% · 4.625%
HK$84,323
+HK$4,837/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,972/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,209
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,441
−HK$2,264/mo
Today · 4.125%
HK$87,705
baseline
▲ 0.50% · 4.625%
HK$92,328
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,410/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,755
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,547
−HK$2,836/mo
Today · 4.125%
HK$95,383
baseline
▲ 0.50% · 4.625%
HK$101,187
+HK$5,804/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,766/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,851
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,529
−HK$2,717/mo
Today · 4.125%
HK$105,246
baseline
▲ 0.50% · 4.625%
HK$110,794
+HK$5,548/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,492/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,714
−HK$6,566/mo
▼ 0.25% · 3.875%
HK$107,971
−HK$3,309/mo
Today · 4.125%
HK$111,280
baseline
▲ 0.50% · 4.625%
HK$118,052
+HK$6,772/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,560/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,493
−HK$6,294/mo
▼ 0.25% · 3.875%
HK$119,617
−HK$3,170/mo
Today · 4.125%
HK$122,787
baseline
▲ 0.50% · 4.625%
HK$129,259
+HK$6,472/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,574/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,632
−HK$8,443/mo
▼ 0.25% · 3.875%
HK$138,820
−HK$4,255/mo
Today · 4.125%
HK$143,075
baseline
▲ 0.50% · 4.625%
HK$151,781
+HK$8,706/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,150/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,777
−HK$8,092/mo
▼ 0.25% · 3.875%
HK$153,794
−HK$4,075/mo
Today · 4.125%
HK$157,869
baseline
▲ 0.50% · 4.625%
HK$166,190
+HK$8,321/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,738/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,394,061 · Scale 2, in force from 26 Feb 2026)