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$74,573
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,893
−HK$2,356/mo
Today · 4.125%
HK$79,249
baseline
▲ 0.50% · 4.625%
HK$84,071
+HK$4,822/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$158,498/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,962
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,187
−HK$2,257/mo
Today · 4.125%
HK$87,444
baseline
▲ 0.50% · 4.625%
HK$92,053
+HK$4,609/mo
Deposit HK$16.35M · loan HK$16.35M · min. income ≈ HK$174,888/mo (50% DSR)
Upfront cash ≈ HK$17.74M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,488
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,271
−HK$2,828/mo
Today · 4.125%
HK$95,099
baseline
▲ 0.50% · 4.625%
HK$100,886
+HK$5,787/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$190,198/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,554
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,224
−HK$2,709/mo
Today · 4.125%
HK$104,933
baseline
▲ 0.50% · 4.625%
HK$110,464
+HK$5,531/mo
Deposit HK$13.08M · loan HK$19.62M · min. income ≈ HK$209,866/mo (50% DSR)
Upfront cash ≈ HK$14.47M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,402
−HK$6,547/mo
▼ 0.25% · 3.875%
HK$107,650
−HK$3,299/mo
Today · 4.125%
HK$110,949
baseline
▲ 0.50% · 4.625%
HK$117,700
+HK$6,751/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$221,898/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,146
−HK$6,275/mo
▼ 0.25% · 3.875%
HK$119,261
−HK$3,160/mo
Today · 4.125%
HK$122,421
baseline
▲ 0.50% · 4.625%
HK$128,874
+HK$6,453/mo
Deposit HK$9.81M · loan HK$22.89M · min. income ≈ HK$244,842/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,231
−HK$8,418/mo
▼ 0.25% · 3.875%
HK$138,407
−HK$4,242/mo
Today · 4.125%
HK$142,649
baseline
▲ 0.50% · 4.625%
HK$151,329
+HK$8,680/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$285,298/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,331
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$153,336
−HK$4,063/mo
Today · 4.125%
HK$157,399
baseline
▲ 0.50% · 4.625%
HK$165,696
+HK$8,297/mo
Deposit HK$3.27M · loan HK$29.43M · min. income ≈ HK$314,798/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,910 · Scale 2, in force from 26 Feb 2026)