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$74,903
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,233
−HK$2,367/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$84,443
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,328
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,563
−HK$2,267/mo
Today · 4.125%
HK$87,830
baseline
▲ 0.50% · 4.625%
HK$92,460
+HK$4,630/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,660/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,883
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,679
−HK$2,841/mo
Today · 4.125%
HK$95,520
baseline
▲ 0.50% · 4.625%
HK$101,332
+HK$5,812/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,040/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,994
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,676
−HK$2,721/mo
Today · 4.125%
HK$105,397
baseline
▲ 0.50% · 4.625%
HK$110,952
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,794/mo (50% DSR)
Upfront cash ≈ HK$14.54M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,864
−HK$6,576/mo
▼ 0.25% · 3.875%
HK$108,126
−HK$3,314/mo
Today · 4.125%
HK$111,440
baseline
▲ 0.50% · 4.625%
HK$118,220
+HK$6,780/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,880/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,660
−HK$6,303/mo
▼ 0.25% · 3.875%
HK$119,789
−HK$3,174/mo
Today · 4.125%
HK$122,963
baseline
▲ 0.50% · 4.625%
HK$129,444
+HK$6,481/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,926/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,825
−HK$8,455/mo
▼ 0.25% · 3.875%
HK$139,019
−HK$4,261/mo
Today · 4.125%
HK$143,280
baseline
▲ 0.50% · 4.625%
HK$151,998
+HK$8,718/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,560/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,991
−HK$8,104/mo
▼ 0.25% · 3.875%
HK$154,014
−HK$4,081/mo
Today · 4.125%
HK$158,095
baseline
▲ 0.50% · 4.625%
HK$166,428
+HK$8,333/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,190/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,056 · Scale 2, in force from 26 Feb 2026)