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$74,595
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,915
−HK$2,358/mo
Today · 4.125%
HK$79,273
baseline
▲ 0.50% · 4.625%
HK$84,096
+HK$4,823/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,546/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,986
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,212
−HK$2,257/mo
Today · 4.125%
HK$87,469
baseline
▲ 0.50% · 4.625%
HK$92,080
+HK$4,611/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$174,938/mo (50% DSR)
Upfront cash ≈ HK$17.75M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,514
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,298
−HK$2,829/mo
Today · 4.125%
HK$95,127
baseline
▲ 0.50% · 4.625%
HK$100,915
+HK$5,788/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$190,254/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,583
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,254
−HK$2,709/mo
Today · 4.125%
HK$104,963
baseline
▲ 0.50% · 4.625%
HK$110,496
+HK$5,533/mo
Deposit HK$13.09M · loan HK$19.63M · min. income ≈ HK$209,926/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,433
−HK$6,549/mo
▼ 0.25% · 3.875%
HK$107,681
−HK$3,301/mo
Today · 4.125%
HK$110,982
baseline
▲ 0.50% · 4.625%
HK$117,735
+HK$6,753/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$221,964/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,180
−HK$6,277/mo
▼ 0.25% · 3.875%
HK$119,296
−HK$3,161/mo
Today · 4.125%
HK$122,457
baseline
▲ 0.50% · 4.625%
HK$128,912
+HK$6,455/mo
Deposit HK$9.81M · loan HK$22.90M · min. income ≈ HK$244,914/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,271
−HK$8,420/mo
▼ 0.25% · 3.875%
HK$138,447
−HK$4,244/mo
Today · 4.125%
HK$142,691
baseline
▲ 0.50% · 4.625%
HK$151,373
+HK$8,682/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$285,382/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,375
−HK$8,070/mo
▼ 0.25% · 3.875%
HK$153,381
−HK$4,064/mo
Today · 4.125%
HK$157,445
baseline
▲ 0.50% · 4.625%
HK$165,744
+HK$8,299/mo
Deposit HK$3.27M · loan HK$29.44M · min. income ≈ HK$314,890/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,318 · Scale 2, in force from 26 Feb 2026)