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$74,435
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,750
−HK$2,353/mo
Today · 4.125%
HK$79,103
baseline
▲ 0.50% · 4.625%
HK$83,916
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,206/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,808
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,029
−HK$2,253/mo
Today · 4.125%
HK$87,282
baseline
▲ 0.50% · 4.625%
HK$91,883
+HK$4,601/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,564/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,322
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,101
−HK$2,822/mo
Today · 4.125%
HK$94,923
baseline
▲ 0.50% · 4.625%
HK$100,699
+HK$5,776/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,846/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,370
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,035
−HK$2,704/mo
Today · 4.125%
HK$104,739
baseline
▲ 0.50% · 4.625%
HK$110,259
+HK$5,520/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,478/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,209
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,451
−HK$3,293/mo
Today · 4.125%
HK$110,744
baseline
▲ 0.50% · 4.625%
HK$117,482
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,488/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,932
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,041
−HK$3,154/mo
Today · 4.125%
HK$122,195
baseline
▲ 0.50% · 4.625%
HK$128,636
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,390/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,983
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,151
−HK$4,234/mo
Today · 4.125%
HK$142,385
baseline
▲ 0.50% · 4.625%
HK$151,049
+HK$8,664/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,770/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,055
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,052
−HK$4,056/mo
Today · 4.125%
HK$157,108
baseline
▲ 0.50% · 4.625%
HK$165,389
+HK$8,281/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,216/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,340 · Scale 2, in force from 26 Feb 2026)