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$74,533
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,852
−HK$2,355/mo
Today · 4.125%
HK$79,207
baseline
▲ 0.50% · 4.625%
HK$84,027
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,414/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,918
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,141
−HK$2,256/mo
Today · 4.125%
HK$87,397
baseline
▲ 0.50% · 4.625%
HK$92,004
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,794/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,440
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,222
−HK$2,827/mo
Today · 4.125%
HK$95,049
baseline
▲ 0.50% · 4.625%
HK$100,832
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,098/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,501
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,170
−HK$2,707/mo
Today · 4.125%
HK$104,877
baseline
▲ 0.50% · 4.625%
HK$110,405
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,754/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,347
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,592
−HK$3,298/mo
Today · 4.125%
HK$110,890
baseline
▲ 0.50% · 4.625%
HK$117,637
+HK$6,747/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,780/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,085
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,198
−HK$3,158/mo
Today · 4.125%
HK$122,356
baseline
▲ 0.50% · 4.625%
HK$128,806
+HK$6,450/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,712/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,160
−HK$8,413/mo
▼ 0.25% · 3.875%
HK$138,333
−HK$4,240/mo
Today · 4.125%
HK$142,573
baseline
▲ 0.50% · 4.625%
HK$151,248
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,146/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,252
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,254
−HK$4,061/mo
Today · 4.125%
HK$157,315
baseline
▲ 0.50% · 4.625%
HK$165,607
+HK$8,292/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,630/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,171 · Scale 2, in force from 26 Feb 2026)