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$74,821
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,148
−HK$2,365/mo
Today · 4.125%
HK$79,513
baseline
▲ 0.50% · 4.625%
HK$84,351
+HK$4,838/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,026/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,237
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,470
−HK$2,264/mo
Today · 4.125%
HK$87,734
baseline
▲ 0.50% · 4.625%
HK$92,359
+HK$4,625/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,468/mo (50% DSR)
Upfront cash ≈ HK$17.80M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,785
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,578
−HK$2,837/mo
Today · 4.125%
HK$95,415
baseline
▲ 0.50% · 4.625%
HK$101,221
+HK$5,806/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$190,830/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,885
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,563
−HK$2,718/mo
Today · 4.125%
HK$105,281
baseline
▲ 0.50% · 4.625%
HK$110,831
+HK$5,550/mo
Deposit HK$13.12M · loan HK$19.69M · min. income ≈ HK$210,562/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,749
−HK$6,569/mo
▼ 0.25% · 3.875%
HK$108,007
−HK$3,311/mo
Today · 4.125%
HK$111,318
baseline
▲ 0.50% · 4.625%
HK$118,091
+HK$6,773/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$222,636/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,532
−HK$6,296/mo
▼ 0.25% · 3.875%
HK$119,657
−HK$3,171/mo
Today · 4.125%
HK$122,828
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$6,474/mo
Deposit HK$9.84M · loan HK$22.97M · min. income ≈ HK$245,656/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,677
−HK$8,446/mo
▼ 0.25% · 3.875%
HK$138,866
−HK$4,257/mo
Today · 4.125%
HK$143,123
baseline
▲ 0.50% · 4.625%
HK$151,831
+HK$8,708/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$286,246/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,827
−HK$8,095/mo
▼ 0.25% · 3.875%
HK$153,845
−HK$4,077/mo
Today · 4.125%
HK$157,922
baseline
▲ 0.50% · 4.625%
HK$166,246
+HK$8,324/mo
Deposit HK$3.28M · loan HK$29.53M · min. income ≈ HK$315,844/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,526 · Scale 2, in force from 26 Feb 2026)