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$74,623
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,945
−HK$2,358/mo
Today · 4.125%
HK$79,303
baseline
▲ 0.50% · 4.625%
HK$84,128
+HK$4,825/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,606/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,018
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,244
−HK$2,259/mo
Today · 4.125%
HK$87,503
baseline
▲ 0.50% · 4.625%
HK$92,115
+HK$4,612/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$175,006/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,548
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,333
−HK$2,830/mo
Today · 4.125%
HK$95,163
baseline
▲ 0.50% · 4.625%
HK$100,954
+HK$5,791/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,326/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,621
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,293
−HK$2,711/mo
Today · 4.125%
HK$105,004
baseline
▲ 0.50% · 4.625%
HK$110,538
+HK$5,534/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,008/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,473
−HK$6,551/mo
▼ 0.25% · 3.875%
HK$107,722
−HK$3,302/mo
Today · 4.125%
HK$111,024
baseline
▲ 0.50% · 4.625%
HK$117,780
+HK$6,756/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,048/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,225
−HK$6,279/mo
▼ 0.25% · 3.875%
HK$119,342
−HK$3,162/mo
Today · 4.125%
HK$122,504
baseline
▲ 0.50% · 4.625%
HK$128,961
+HK$6,457/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,008/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,322
−HK$8,423/mo
▼ 0.25% · 3.875%
HK$138,500
−HK$4,245/mo
Today · 4.125%
HK$142,745
baseline
▲ 0.50% · 4.625%
HK$151,431
+HK$8,686/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$285,490/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,432
−HK$8,073/mo
▼ 0.25% · 3.875%
HK$153,440
−HK$4,065/mo
Today · 4.125%
HK$157,505
baseline
▲ 0.50% · 4.625%
HK$165,808
+HK$8,303/mo
Deposit HK$3.27M · loan HK$29.45M · min. income ≈ HK$315,010/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,850 · Scale 2, in force from 26 Feb 2026)