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$74,781
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,107
−HK$2,363/mo
Today · 4.125%
HK$79,470
baseline
▲ 0.50% · 4.625%
HK$84,306
+HK$4,836/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$158,940/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,193
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,424
−HK$2,263/mo
Today · 4.125%
HK$87,687
baseline
▲ 0.50% · 4.625%
HK$92,310
+HK$4,623/mo
Deposit HK$16.40M · loan HK$16.40M · min. income ≈ HK$175,374/mo (50% DSR)
Upfront cash ≈ HK$17.79M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,737
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,528
−HK$2,836/mo
Today · 4.125%
HK$95,364
baseline
▲ 0.50% · 4.625%
HK$101,167
+HK$5,803/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$190,728/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,831
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,509
−HK$2,716/mo
Today · 4.125%
HK$105,225
baseline
▲ 0.50% · 4.625%
HK$110,772
+HK$5,547/mo
Deposit HK$13.12M · loan HK$19.68M · min. income ≈ HK$210,450/mo (50% DSR)
Upfront cash ≈ HK$14.51M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,693
−HK$6,565/mo
▼ 0.25% · 3.875%
HK$107,950
−HK$3,308/mo
Today · 4.125%
HK$111,258
baseline
▲ 0.50% · 4.625%
HK$118,028
+HK$6,770/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$222,516/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,470
−HK$6,292/mo
▼ 0.25% · 3.875%
HK$119,594
−HK$3,168/mo
Today · 4.125%
HK$122,762
baseline
▲ 0.50% · 4.625%
HK$129,233
+HK$6,471/mo
Deposit HK$9.84M · loan HK$22.96M · min. income ≈ HK$245,524/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,605
−HK$8,441/mo
▼ 0.25% · 3.875%
HK$138,792
−HK$4,254/mo
Today · 4.125%
HK$143,046
baseline
▲ 0.50% · 4.625%
HK$151,750
+HK$8,704/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$286,092/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,747
−HK$8,090/mo
▼ 0.25% · 3.875%
HK$153,763
−HK$4,074/mo
Today · 4.125%
HK$157,837
baseline
▲ 0.50% · 4.625%
HK$166,157
+HK$8,320/mo
Deposit HK$3.28M · loan HK$29.52M · min. income ≈ HK$315,674/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,393,783 · Scale 2, in force from 26 Feb 2026)