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$74,738
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,062
−HK$2,362/mo
Today · 4.125%
HK$79,424
baseline
▲ 0.50% · 4.625%
HK$84,257
+HK$4,833/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$158,848/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,145
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,375
−HK$2,262/mo
Today · 4.125%
HK$87,637
baseline
▲ 0.50% · 4.625%
HK$92,256
+HK$4,619/mo
Deposit HK$16.39M · loan HK$16.39M · min. income ≈ HK$175,274/mo (50% DSR)
Upfront cash ≈ HK$17.78M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,685
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,475
−HK$2,834/mo
Today · 4.125%
HK$95,309
baseline
▲ 0.50% · 4.625%
HK$101,109
+HK$5,800/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$190,618/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,774
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,450
−HK$2,714/mo
Today · 4.125%
HK$105,164
baseline
▲ 0.50% · 4.625%
HK$110,708
+HK$5,544/mo
Deposit HK$13.11M · loan HK$19.67M · min. income ≈ HK$210,328/mo (50% DSR)
Upfront cash ≈ HK$14.50M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,633
−HK$6,561/mo
▼ 0.25% · 3.875%
HK$107,887
−HK$3,307/mo
Today · 4.125%
HK$111,194
baseline
▲ 0.50% · 4.625%
HK$117,960
+HK$6,766/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$222,388/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,403
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$119,525
−HK$3,167/mo
Today · 4.125%
HK$122,692
baseline
▲ 0.50% · 4.625%
HK$129,159
+HK$6,467/mo
Deposit HK$9.83M · loan HK$22.94M · min. income ≈ HK$245,384/mo (50% DSR)
Upfront cash ≈ HK$11.23M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,528
−HK$8,436/mo
▼ 0.25% · 3.875%
HK$138,712
−HK$4,252/mo
Today · 4.125%
HK$142,964
baseline
▲ 0.50% · 4.625%
HK$151,663
+HK$8,699/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$285,928/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,661
−HK$8,085/mo
▼ 0.25% · 3.875%
HK$153,675
−HK$4,071/mo
Today · 4.125%
HK$157,746
baseline
▲ 0.50% · 4.625%
HK$166,062
+HK$8,316/mo
Deposit HK$3.28M · loan HK$29.50M · min. income ≈ HK$315,492/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,392,980 · Scale 2, in force from 26 Feb 2026)