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$74,885
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,215
−HK$2,366/mo
Today · 4.125%
HK$79,581
baseline
▲ 0.50% · 4.625%
HK$84,424
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,162/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,309
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,543
−HK$2,267/mo
Today · 4.125%
HK$87,810
baseline
▲ 0.50% · 4.625%
HK$92,439
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,620/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,862
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,657
−HK$2,840/mo
Today · 4.125%
HK$95,497
baseline
▲ 0.50% · 4.625%
HK$101,308
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$190,994/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,971
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,652
−HK$2,720/mo
Today · 4.125%
HK$105,372
baseline
▲ 0.50% · 4.625%
HK$110,926
+HK$5,554/mo
Deposit HK$13.14M · loan HK$19.70M · min. income ≈ HK$210,744/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,839
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,100
−HK$3,314/mo
Today · 4.125%
HK$111,414
baseline
▲ 0.50% · 4.625%
HK$118,193
+HK$6,779/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,828/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,633
−HK$6,301/mo
▼ 0.25% · 3.875%
HK$119,761
−HK$3,173/mo
Today · 4.125%
HK$122,934
baseline
▲ 0.50% · 4.625%
HK$129,414
+HK$6,480/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,868/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,793
−HK$8,453/mo
▼ 0.25% · 3.875%
HK$138,986
−HK$4,260/mo
Today · 4.125%
HK$143,246
baseline
▲ 0.50% · 4.625%
HK$151,962
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,492/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,956
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,978
−HK$4,080/mo
Today · 4.125%
HK$158,058
baseline
▲ 0.50% · 4.625%
HK$166,389
+HK$8,331/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,116/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,730 · Scale 2, in force from 26 Feb 2026)