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$74,894
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,223
−HK$2,367/mo
Today · 4.125%
HK$79,590
baseline
▲ 0.50% · 4.625%
HK$84,433
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,180/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,319
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,553
−HK$2,267/mo
Today · 4.125%
HK$87,820
baseline
▲ 0.50% · 4.625%
HK$92,449
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,640/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,873
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,668
−HK$2,840/mo
Today · 4.125%
HK$95,508
baseline
▲ 0.50% · 4.625%
HK$101,320
+HK$5,812/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,016/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,982
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,664
−HK$2,720/mo
Today · 4.125%
HK$105,384
baseline
▲ 0.50% · 4.625%
HK$110,939
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,768/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,851
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,113
−HK$3,314/mo
Today · 4.125%
HK$111,427
baseline
▲ 0.50% · 4.625%
HK$118,207
+HK$6,780/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,854/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,646
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,775
−HK$3,173/mo
Today · 4.125%
HK$122,948
baseline
▲ 0.50% · 4.625%
HK$129,429
+HK$6,481/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,896/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,809
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$139,002
−HK$4,261/mo
Today · 4.125%
HK$143,263
baseline
▲ 0.50% · 4.625%
HK$151,980
+HK$8,717/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,526/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,974
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,996
−HK$4,080/mo
Today · 4.125%
HK$158,076
baseline
▲ 0.50% · 4.625%
HK$166,409
+HK$8,333/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,152/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,892 · Scale 2, in force from 26 Feb 2026)