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$74,511
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,828
−HK$2,355/mo
Today · 4.125%
HK$79,183
baseline
▲ 0.50% · 4.625%
HK$84,001
+HK$4,818/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,366/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,892
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,115
−HK$2,256/mo
Today · 4.125%
HK$87,371
baseline
▲ 0.50% · 4.625%
HK$91,976
+HK$4,605/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,742/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,413
−HK$5,607/mo
▼ 0.25% · 3.875%
HK$92,194
−HK$2,826/mo
Today · 4.125%
HK$95,020
baseline
▲ 0.50% · 4.625%
HK$100,801
+HK$5,781/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,040/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,471
−HK$5,374/mo
▼ 0.25% · 3.875%
HK$102,138
−HK$2,707/mo
Today · 4.125%
HK$104,845
baseline
▲ 0.50% · 4.625%
HK$110,371
+HK$5,526/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,690/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,315
−HK$6,541/mo
▼ 0.25% · 3.875%
HK$107,560
−HK$3,296/mo
Today · 4.125%
HK$110,856
baseline
▲ 0.50% · 4.625%
HK$117,602
+HK$6,746/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,712/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,049
−HK$6,270/mo
▼ 0.25% · 3.875%
HK$119,162
−HK$3,157/mo
Today · 4.125%
HK$122,319
baseline
▲ 0.50% · 4.625%
HK$128,767
+HK$6,448/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,638/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,119
−HK$8,410/mo
▼ 0.25% · 3.875%
HK$138,291
−HK$4,238/mo
Today · 4.125%
HK$142,529
baseline
▲ 0.50% · 4.625%
HK$151,202
+HK$8,673/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,058/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,206
−HK$8,061/mo
▼ 0.25% · 3.875%
HK$153,208
−HK$4,059/mo
Today · 4.125%
HK$157,267
baseline
▲ 0.50% · 4.625%
HK$165,557
+HK$8,290/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,534/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,748 · Scale 2, in force from 26 Feb 2026)