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$74,430
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,745
−HK$2,352/mo
Today · 4.125%
HK$79,097
baseline
▲ 0.50% · 4.625%
HK$83,910
+HK$4,813/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$158,194/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,803
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,023
−HK$2,253/mo
Today · 4.125%
HK$87,276
baseline
▲ 0.50% · 4.625%
HK$91,877
+HK$4,601/mo
Deposit HK$16.32M · loan HK$16.32M · min. income ≈ HK$174,552/mo (50% DSR)
Upfront cash ≈ HK$17.71M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,316
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,094
−HK$2,823/mo
Today · 4.125%
HK$94,917
baseline
▲ 0.50% · 4.625%
HK$100,692
+HK$5,775/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$189,834/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,363
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,028
−HK$2,703/mo
Today · 4.125%
HK$104,731
baseline
▲ 0.50% · 4.625%
HK$110,252
+HK$5,521/mo
Deposit HK$13.06M · loan HK$19.58M · min. income ≈ HK$209,462/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,202
−HK$6,534/mo
▼ 0.25% · 3.875%
HK$107,443
−HK$3,293/mo
Today · 4.125%
HK$110,736
baseline
▲ 0.50% · 4.625%
HK$117,474
+HK$6,738/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$221,472/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,924
−HK$6,263/mo
▼ 0.25% · 3.875%
HK$119,033
−HK$3,154/mo
Today · 4.125%
HK$122,187
baseline
▲ 0.50% · 4.625%
HK$128,627
+HK$6,440/mo
Deposit HK$9.79M · loan HK$22.85M · min. income ≈ HK$244,374/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,974
−HK$8,401/mo
▼ 0.25% · 3.875%
HK$138,141
−HK$4,234/mo
Today · 4.125%
HK$142,375
baseline
▲ 0.50% · 4.625%
HK$151,038
+HK$8,663/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$284,750/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,045
−HK$8,052/mo
▼ 0.25% · 3.875%
HK$153,042
−HK$4,055/mo
Today · 4.125%
HK$157,097
baseline
▲ 0.50% · 4.625%
HK$165,378
+HK$8,281/mo
Deposit HK$3.26M · loan HK$29.38M · min. income ≈ HK$314,194/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,244 · Scale 2, in force from 26 Feb 2026)