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$74,467
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,783
−HK$2,353/mo
Today · 4.125%
HK$79,136
baseline
▲ 0.50% · 4.625%
HK$83,952
+HK$4,816/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,272/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,843
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,065
−HK$2,254/mo
Today · 4.125%
HK$87,319
baseline
▲ 0.50% · 4.625%
HK$91,922
+HK$4,603/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,638/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,360
−HK$5,604/mo
▼ 0.25% · 3.875%
HK$92,140
−HK$2,824/mo
Today · 4.125%
HK$94,964
baseline
▲ 0.50% · 4.625%
HK$100,742
+HK$5,778/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$189,928/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,412
−HK$5,371/mo
▼ 0.25% · 3.875%
HK$102,078
−HK$2,705/mo
Today · 4.125%
HK$104,783
baseline
▲ 0.50% · 4.625%
HK$110,306
+HK$5,523/mo
Deposit HK$13.06M · loan HK$19.59M · min. income ≈ HK$209,566/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,253
−HK$6,538/mo
▼ 0.25% · 3.875%
HK$107,496
−HK$3,295/mo
Today · 4.125%
HK$110,791
baseline
▲ 0.50% · 4.625%
HK$117,532
+HK$6,741/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,582/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,981
−HK$6,266/mo
▼ 0.25% · 3.875%
HK$119,091
−HK$3,156/mo
Today · 4.125%
HK$122,247
baseline
▲ 0.50% · 4.625%
HK$128,691
+HK$6,444/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,494/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,040
−HK$8,406/mo
▼ 0.25% · 3.875%
HK$138,209
−HK$4,237/mo
Today · 4.125%
HK$142,446
baseline
▲ 0.50% · 4.625%
HK$151,113
+HK$8,667/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$284,892/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,118
−HK$8,057/mo
▼ 0.25% · 3.875%
HK$153,118
−HK$4,057/mo
Today · 4.125%
HK$157,175
baseline
▲ 0.50% · 4.625%
HK$165,460
+HK$8,285/mo
Deposit HK$3.27M · loan HK$29.39M · min. income ≈ HK$314,350/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,387,930 · Scale 2, in force from 26 Feb 2026)