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$74,846
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,365/mo
Today · 4.125%
HK$79,539
baseline
▲ 0.50% · 4.625%
HK$84,379
+HK$4,840/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$159,078/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,265
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,498
−HK$2,266/mo
Today · 4.125%
HK$87,764
baseline
▲ 0.50% · 4.625%
HK$92,390
+HK$4,626/mo
Deposit HK$16.41M · loan HK$16.41M · min. income ≈ HK$175,528/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,815
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,609
−HK$2,838/mo
Today · 4.125%
HK$95,447
baseline
▲ 0.50% · 4.625%
HK$101,255
+HK$5,808/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$190,894/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,918
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,598
−HK$2,718/mo
Today · 4.125%
HK$105,316
baseline
▲ 0.50% · 4.625%
HK$110,868
+HK$5,552/mo
Deposit HK$13.13M · loan HK$19.69M · min. income ≈ HK$210,632/mo (50% DSR)
Upfront cash ≈ HK$14.52M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,784
−HK$6,571/mo
▼ 0.25% · 3.875%
HK$108,043
−HK$3,312/mo
Today · 4.125%
HK$111,355
baseline
▲ 0.50% · 4.625%
HK$118,131
+HK$6,776/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,710/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,571
−HK$6,298/mo
▼ 0.25% · 3.875%
HK$119,698
−HK$3,171/mo
Today · 4.125%
HK$122,869
baseline
▲ 0.50% · 4.625%
HK$129,346
+HK$6,477/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,738/mo (50% DSR)
Upfront cash ≈ HK$11.24M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,722
−HK$8,449/mo
▼ 0.25% · 3.875%
HK$138,913
−HK$4,258/mo
Today · 4.125%
HK$143,171
baseline
▲ 0.50% · 4.625%
HK$151,882
+HK$8,711/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$286,342/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,877
−HK$8,098/mo
▼ 0.25% · 3.875%
HK$153,897
−HK$4,078/mo
Today · 4.125%
HK$157,975
baseline
▲ 0.50% · 4.625%
HK$166,302
+HK$8,327/mo
Deposit HK$3.28M · loan HK$29.54M · min. income ≈ HK$315,950/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,394,995 · Scale 2, in force from 26 Feb 2026)