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$74,862
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,191
−HK$2,365/mo
Today · 4.125%
HK$79,556
baseline
▲ 0.50% · 4.625%
HK$84,397
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,112/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,283
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,517
−HK$2,266/mo
Today · 4.125%
HK$87,783
baseline
▲ 0.50% · 4.625%
HK$92,410
+HK$4,627/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,566/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,834
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,629
−HK$2,839/mo
Today · 4.125%
HK$95,468
baseline
▲ 0.50% · 4.625%
HK$101,277
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,936/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,940
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,620
−HK$2,719/mo
Today · 4.125%
HK$105,339
baseline
▲ 0.50% · 4.625%
HK$110,892
+HK$5,553/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,678/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,807
−HK$6,572/mo
▼ 0.25% · 3.875%
HK$108,067
−HK$3,312/mo
Today · 4.125%
HK$111,379
baseline
▲ 0.50% · 4.625%
HK$118,156
+HK$6,777/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,758/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,596
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,723
−HK$3,173/mo
Today · 4.125%
HK$122,896
baseline
▲ 0.50% · 4.625%
HK$129,374
+HK$6,478/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,792/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,752
−HK$8,450/mo
▼ 0.25% · 3.875%
HK$138,943
−HK$4,259/mo
Today · 4.125%
HK$143,202
baseline
▲ 0.50% · 4.625%
HK$151,915
+HK$8,713/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,404/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,910
−HK$8,099/mo
▼ 0.25% · 3.875%
HK$153,930
−HK$4,079/mo
Today · 4.125%
HK$158,009
baseline
▲ 0.50% · 4.625%
HK$166,338
+HK$8,329/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,018/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,297 · Scale 2, in force from 26 Feb 2026)