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$74,462
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,778
−HK$2,354/mo
Today · 4.125%
HK$79,132
baseline
▲ 0.50% · 4.625%
HK$83,947
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,264/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,838
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,060
−HK$2,254/mo
Today · 4.125%
HK$87,314
baseline
▲ 0.50% · 4.625%
HK$91,916
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,628/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,355
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,134
−HK$2,824/mo
Today · 4.125%
HK$94,958
baseline
▲ 0.50% · 4.625%
HK$100,736
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,916/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,406
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,072
−HK$2,705/mo
Today · 4.125%
HK$104,777
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,554/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,247
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,490
−HK$3,294/mo
Today · 4.125%
HK$110,784
baseline
▲ 0.50% · 4.625%
HK$117,525
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,568/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,974
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,084
−HK$3,155/mo
Today · 4.125%
HK$122,239
baseline
▲ 0.50% · 4.625%
HK$128,683
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,478/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,032
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,201
−HK$4,236/mo
Today · 4.125%
HK$142,437
baseline
▲ 0.50% · 4.625%
HK$151,104
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,874/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,109
−HK$8,056/mo
▼ 0.25% · 3.875%
HK$153,108
−HK$4,057/mo
Today · 4.125%
HK$157,165
baseline
▲ 0.50% · 4.625%
HK$165,449
+HK$8,284/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,330/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,845 · Scale 2, in force from 26 Feb 2026)