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$74,560
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,879
−HK$2,357/mo
Today · 4.125%
HK$79,236
baseline
▲ 0.50% · 4.625%
HK$84,057
+HK$4,821/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,472/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,947
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,172
−HK$2,257/mo
Today · 4.125%
HK$87,429
baseline
▲ 0.50% · 4.625%
HK$92,037
+HK$4,608/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,858/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,472
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,255
−HK$2,828/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,868
+HK$5,785/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,166/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,537
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,206
−HK$2,708/mo
Today · 4.125%
HK$104,914
baseline
▲ 0.50% · 4.625%
HK$110,444
+HK$5,530/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,828/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,384
−HK$6,546/mo
▼ 0.25% · 3.875%
HK$107,631
−HK$3,299/mo
Today · 4.125%
HK$110,930
baseline
▲ 0.50% · 4.625%
HK$117,680
+HK$6,750/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,860/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,126
−HK$6,274/mo
▼ 0.25% · 3.875%
HK$119,240
−HK$3,160/mo
Today · 4.125%
HK$122,400
baseline
▲ 0.50% · 4.625%
HK$128,852
+HK$6,452/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,800/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,208
−HK$8,416/mo
▼ 0.25% · 3.875%
HK$138,383
−HK$4,241/mo
Today · 4.125%
HK$142,624
baseline
▲ 0.50% · 4.625%
HK$151,302
+HK$8,678/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$285,248/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,305
−HK$8,066/mo
▼ 0.25% · 3.875%
HK$153,309
−HK$4,062/mo
Today · 4.125%
HK$157,371
baseline
▲ 0.50% · 4.625%
HK$165,667
+HK$8,296/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$314,742/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,668 · Scale 2, in force from 26 Feb 2026)