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$74,428
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,743
−HK$2,352/mo
Today · 4.125%
HK$79,095
baseline
▲ 0.50% · 4.625%
HK$83,908
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,190/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,800
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,021
−HK$2,253/mo
Today · 4.125%
HK$87,274
baseline
▲ 0.50% · 4.625%
HK$91,874
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,548/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,313
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,092
−HK$2,822/mo
Today · 4.125%
HK$94,914
baseline
▲ 0.50% · 4.625%
HK$100,689
+HK$5,775/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$189,828/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,360
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,025
−HK$2,703/mo
Today · 4.125%
HK$104,728
baseline
▲ 0.50% · 4.625%
HK$110,249
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$209,456/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,199
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,440
−HK$3,293/mo
Today · 4.125%
HK$110,733
baseline
▲ 0.50% · 4.625%
HK$117,471
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,466/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,920
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,029
−HK$3,154/mo
Today · 4.125%
HK$122,183
baseline
▲ 0.50% · 4.625%
HK$128,624
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,366/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,970
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,137
−HK$4,234/mo
Today · 4.125%
HK$142,371
baseline
▲ 0.50% · 4.625%
HK$151,034
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,742/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,040
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,038
−HK$4,055/mo
Today · 4.125%
HK$157,093
baseline
▲ 0.50% · 4.625%
HK$165,373
+HK$8,280/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,186/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,205 · Scale 2, in force from 26 Feb 2026)