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$74,702
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,025
−HK$2,361/mo
Today · 4.125%
HK$79,386
baseline
▲ 0.50% · 4.625%
HK$84,217
+HK$4,831/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$158,772/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,105
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,334
−HK$2,261/mo
Today · 4.125%
HK$87,595
baseline
▲ 0.50% · 4.625%
HK$92,212
+HK$4,617/mo
Deposit HK$16.38M · loan HK$16.38M · min. income ≈ HK$175,190/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,642
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,430
−HK$2,833/mo
Today · 4.125%
HK$95,263
baseline
▲ 0.50% · 4.625%
HK$101,060
+HK$5,797/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$190,526/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,726
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,400
−HK$2,714/mo
Today · 4.125%
HK$105,114
baseline
▲ 0.50% · 4.625%
HK$110,654
+HK$5,540/mo
Deposit HK$13.10M · loan HK$19.66M · min. income ≈ HK$210,228/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,582
−HK$6,559/mo
▼ 0.25% · 3.875%
HK$107,835
−HK$3,306/mo
Today · 4.125%
HK$111,141
baseline
▲ 0.50% · 4.625%
HK$117,903
+HK$6,762/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$222,282/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,347
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$119,467
−HK$3,166/mo
Today · 4.125%
HK$122,633
baseline
▲ 0.50% · 4.625%
HK$129,097
+HK$6,464/mo
Deposit HK$9.83M · loan HK$22.93M · min. income ≈ HK$245,266/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,463
−HK$8,432/mo
▼ 0.25% · 3.875%
HK$138,646
−HK$4,249/mo
Today · 4.125%
HK$142,895
baseline
▲ 0.50% · 4.625%
HK$151,590
+HK$8,695/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$285,790/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,589
−HK$8,082/mo
▼ 0.25% · 3.875%
HK$153,601
−HK$4,070/mo
Today · 4.125%
HK$157,671
baseline
▲ 0.50% · 4.625%
HK$165,982
+HK$8,311/mo
Deposit HK$3.28M · loan HK$29.48M · min. income ≈ HK$315,342/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,309 · Scale 2, in force from 26 Feb 2026)