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$74,508
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,826
−HK$2,354/mo
Today · 4.125%
HK$79,180
baseline
▲ 0.50% · 4.625%
HK$83,998
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,360/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,889
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,112
−HK$2,256/mo
Today · 4.125%
HK$87,368
baseline
▲ 0.50% · 4.625%
HK$91,973
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,736/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,410
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,191
−HK$2,825/mo
Today · 4.125%
HK$95,016
baseline
▲ 0.50% · 4.625%
HK$100,798
+HK$5,782/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,032/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,467
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,135
−HK$2,706/mo
Today · 4.125%
HK$104,841
baseline
▲ 0.50% · 4.625%
HK$110,367
+HK$5,526/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,682/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,311
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,556
−HK$3,296/mo
Today · 4.125%
HK$110,852
baseline
▲ 0.50% · 4.625%
HK$117,597
+HK$6,745/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,704/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,045
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,157
−HK$3,158/mo
Today · 4.125%
HK$122,315
baseline
▲ 0.50% · 4.625%
HK$128,762
+HK$6,447/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,630/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,114
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,286
−HK$4,238/mo
Today · 4.125%
HK$142,524
baseline
▲ 0.50% · 4.625%
HK$151,197
+HK$8,673/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,048/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,201
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,202
−HK$4,060/mo
Today · 4.125%
HK$157,262
baseline
▲ 0.50% · 4.625%
HK$165,551
+HK$8,289/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,524/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,698 · Scale 2, in force from 26 Feb 2026)