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$74,437
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,753
−HK$2,352/mo
Today · 4.125%
HK$79,105
baseline
▲ 0.50% · 4.625%
HK$83,918
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,210/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,811
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,032
−HK$2,253/mo
Today · 4.125%
HK$87,285
baseline
▲ 0.50% · 4.625%
HK$91,886
+HK$4,601/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,570/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,325
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,823/mo
Today · 4.125%
HK$94,926
baseline
▲ 0.50% · 4.625%
HK$100,702
+HK$5,776/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,852/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,373
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,038
−HK$2,704/mo
Today · 4.125%
HK$104,742
baseline
▲ 0.50% · 4.625%
HK$110,263
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,484/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,212
−HK$6,535/mo
▼ 0.25% · 3.875%
HK$107,454
−HK$3,293/mo
Today · 4.125%
HK$110,747
baseline
▲ 0.50% · 4.625%
HK$117,486
+HK$6,739/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,494/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,935
−HK$6,264/mo
▼ 0.25% · 3.875%
HK$119,044
−HK$3,155/mo
Today · 4.125%
HK$122,199
baseline
▲ 0.50% · 4.625%
HK$128,640
+HK$6,441/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,398/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,987
−HK$8,402/mo
▼ 0.25% · 3.875%
HK$138,155
−HK$4,234/mo
Today · 4.125%
HK$142,389
baseline
▲ 0.50% · 4.625%
HK$151,053
+HK$8,664/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,778/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,059
−HK$8,053/mo
▼ 0.25% · 3.875%
HK$153,057
−HK$4,055/mo
Today · 4.125%
HK$157,112
baseline
▲ 0.50% · 4.625%
HK$165,394
+HK$8,282/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,224/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,380 · Scale 2, in force from 26 Feb 2026)