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$74,483
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,353/mo
Today · 4.125%
HK$79,153
baseline
▲ 0.50% · 4.625%
HK$83,970
+HK$4,817/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,306/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,861
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,254/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$4,604/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,379
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,159
−HK$2,825/mo
Today · 4.125%
HK$94,984
baseline
▲ 0.50% · 4.625%
HK$100,764
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,968/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,434
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,100
−HK$2,706/mo
Today · 4.125%
HK$104,806
baseline
▲ 0.50% · 4.625%
HK$110,330
+HK$5,524/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,612/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,276
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,519
−HK$3,296/mo
Today · 4.125%
HK$110,815
baseline
▲ 0.50% · 4.625%
HK$117,558
+HK$6,743/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,630/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,006
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,117
−HK$3,156/mo
Today · 4.125%
HK$122,273
baseline
▲ 0.50% · 4.625%
HK$128,718
+HK$6,445/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,546/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,069
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,239
−HK$4,237/mo
Today · 4.125%
HK$142,476
baseline
▲ 0.50% · 4.625%
HK$151,146
+HK$8,670/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,952/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,150
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$153,150
−HK$4,058/mo
Today · 4.125%
HK$157,208
baseline
▲ 0.50% · 4.625%
HK$165,495
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,416/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,228 · Scale 2, in force from 26 Feb 2026)