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$74,434
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,749
−HK$2,352/mo
Today · 4.125%
HK$79,101
baseline
▲ 0.50% · 4.625%
HK$83,915
+HK$4,814/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,202/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,807
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,028
−HK$2,253/mo
Today · 4.125%
HK$87,281
baseline
▲ 0.50% · 4.625%
HK$91,881
+HK$4,600/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,562/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,321
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,099
−HK$2,823/mo
Today · 4.125%
HK$94,922
baseline
▲ 0.50% · 4.625%
HK$100,698
+HK$5,776/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,844/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,368
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,033
−HK$2,704/mo
Today · 4.125%
HK$104,737
baseline
▲ 0.50% · 4.625%
HK$110,258
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,474/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,207
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,449
−HK$3,293/mo
Today · 4.125%
HK$110,742
baseline
▲ 0.50% · 4.625%
HK$117,480
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,484/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,930
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,039
−HK$3,154/mo
Today · 4.125%
HK$122,193
baseline
▲ 0.50% · 4.625%
HK$128,634
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,386/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,981
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,148
−HK$4,235/mo
Today · 4.125%
HK$142,383
baseline
▲ 0.50% · 4.625%
HK$151,046
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,766/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,052
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,050
−HK$4,055/mo
Today · 4.125%
HK$157,105
baseline
▲ 0.50% · 4.625%
HK$165,386
+HK$8,281/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,210/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,317 · Scale 2, in force from 26 Feb 2026)