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$74,455
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,771
−HK$2,353/mo
Today · 4.125%
HK$79,124
baseline
▲ 0.50% · 4.625%
HK$83,939
+HK$4,815/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,248/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,831
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,052
−HK$2,254/mo
Today · 4.125%
HK$87,306
baseline
▲ 0.50% · 4.625%
HK$91,908
+HK$4,602/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,612/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,346
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,125
−HK$2,824/mo
Today · 4.125%
HK$94,949
baseline
▲ 0.50% · 4.625%
HK$100,727
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,898/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,397
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,063
−HK$2,704/mo
Today · 4.125%
HK$104,767
baseline
▲ 0.50% · 4.625%
HK$110,289
+HK$5,522/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,534/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,237
−HK$6,537/mo
▼ 0.25% · 3.875%
HK$107,480
−HK$3,294/mo
Today · 4.125%
HK$110,774
baseline
▲ 0.50% · 4.625%
HK$117,514
+HK$6,740/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,548/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,963
−HK$6,265/mo
▼ 0.25% · 3.875%
HK$119,073
−HK$3,155/mo
Today · 4.125%
HK$122,228
baseline
▲ 0.50% · 4.625%
HK$128,671
+HK$6,443/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,456/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,019
−HK$8,405/mo
▼ 0.25% · 3.875%
HK$138,188
−HK$4,236/mo
Today · 4.125%
HK$142,424
baseline
▲ 0.50% · 4.625%
HK$151,090
+HK$8,666/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,848/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,095
−HK$8,055/mo
▼ 0.25% · 3.875%
HK$153,094
−HK$4,056/mo
Today · 4.125%
HK$157,150
baseline
▲ 0.50% · 4.625%
HK$165,434
+HK$8,284/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,300/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,716 · Scale 2, in force from 26 Feb 2026)