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$74,900
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,367/mo
Today · 4.125%
HK$79,596
baseline
▲ 0.50% · 4.625%
HK$84,440
+HK$4,844/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,192/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,325
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,560
−HK$2,267/mo
Today · 4.125%
HK$87,827
baseline
▲ 0.50% · 4.625%
HK$92,456
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,654/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,879
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,675
−HK$2,841/mo
Today · 4.125%
HK$95,516
baseline
▲ 0.50% · 4.625%
HK$101,328
+HK$5,812/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,032/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,990
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,672
−HK$2,720/mo
Today · 4.125%
HK$105,392
baseline
▲ 0.50% · 4.625%
HK$110,948
+HK$5,556/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,784/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,859
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,121
−HK$3,314/mo
Today · 4.125%
HK$111,435
baseline
▲ 0.50% · 4.625%
HK$118,216
+HK$6,781/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,870/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,655
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,784
−HK$3,174/mo
Today · 4.125%
HK$122,958
baseline
▲ 0.50% · 4.625%
HK$129,439
+HK$6,481/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,916/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,819
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,013
−HK$4,261/mo
Today · 4.125%
HK$143,274
baseline
▲ 0.50% · 4.625%
HK$151,991
+HK$8,717/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,548/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,985
−HK$8,103/mo
▼ 0.25% · 3.875%
HK$154,008
−HK$4,080/mo
Today · 4.125%
HK$158,088
baseline
▲ 0.50% · 4.625%
HK$166,421
+HK$8,333/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,176/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,998 · Scale 2, in force from 26 Feb 2026)