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$74,822
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,149
−HK$2,365/mo
Today · 4.125%
HK$79,514
baseline
▲ 0.50% · 4.625%
HK$84,352
+HK$4,838/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,028/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,238
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,471
−HK$2,264/mo
Today · 4.125%
HK$87,735
baseline
▲ 0.50% · 4.625%
HK$92,360
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,470/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,786
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,579
−HK$2,837/mo
Today · 4.125%
HK$95,416
baseline
▲ 0.50% · 4.625%
HK$101,222
+HK$5,806/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,832/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,886
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,565
−HK$2,717/mo
Today · 4.125%
HK$105,282
baseline
▲ 0.50% · 4.625%
HK$110,832
+HK$5,550/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,564/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,750
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,009
−HK$3,310/mo
Today · 4.125%
HK$111,319
baseline
▲ 0.50% · 4.625%
HK$118,092
+HK$6,773/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,638/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,534
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,659
−HK$3,171/mo
Today · 4.125%
HK$122,830
baseline
▲ 0.50% · 4.625%
HK$129,304
+HK$6,474/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,660/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,679
−HK$8,445/mo
▼ 0.25% · 3.875%
HK$138,868
−HK$4,256/mo
Today · 4.125%
HK$143,124
baseline
▲ 0.50% · 4.625%
HK$151,833
+HK$8,709/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,248/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,829
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$153,847
−HK$4,077/mo
Today · 4.125%
HK$157,924
baseline
▲ 0.50% · 4.625%
HK$166,248
+HK$8,324/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,848/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,544 · Scale 2, in force from 26 Feb 2026)