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$74,630
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,951
−HK$2,358/mo
Today · 4.125%
HK$79,309
baseline
▲ 0.50% · 4.625%
HK$84,135
+HK$4,826/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$158,618/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,025
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,251
−HK$2,259/mo
Today · 4.125%
HK$87,510
baseline
▲ 0.50% · 4.625%
HK$92,123
+HK$4,613/mo
Deposit HK$16.36M · loan HK$16.36M · min. income ≈ HK$175,020/mo (50% DSR)
Upfront cash ≈ HK$17.76M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,555
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,341
−HK$2,830/mo
Today · 4.125%
HK$95,171
baseline
▲ 0.50% · 4.625%
HK$100,962
+HK$5,791/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$190,342/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,630
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,302
−HK$2,710/mo
Today · 4.125%
HK$105,012
baseline
▲ 0.50% · 4.625%
HK$110,548
+HK$5,536/mo
Deposit HK$13.09M · loan HK$19.64M · min. income ≈ HK$210,024/mo (50% DSR)
Upfront cash ≈ HK$14.48M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,481
−HK$6,552/mo
▼ 0.25% · 3.875%
HK$107,731
−HK$3,302/mo
Today · 4.125%
HK$111,033
baseline
▲ 0.50% · 4.625%
HK$117,789
+HK$6,756/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$222,066/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,234
−HK$6,280/mo
▼ 0.25% · 3.875%
HK$119,352
−HK$3,162/mo
Today · 4.125%
HK$122,514
baseline
▲ 0.50% · 4.625%
HK$128,972
+HK$6,458/mo
Deposit HK$9.82M · loan HK$22.91M · min. income ≈ HK$245,028/mo (50% DSR)
Upfront cash ≈ HK$11.21M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,333
−HK$8,424/mo
▼ 0.25% · 3.875%
HK$138,512
−HK$4,245/mo
Today · 4.125%
HK$142,757
baseline
▲ 0.50% · 4.625%
HK$151,443
+HK$8,686/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$285,514/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,444
−HK$8,074/mo
▼ 0.25% · 3.875%
HK$153,452
−HK$4,066/mo
Today · 4.125%
HK$157,518
baseline
▲ 0.50% · 4.625%
HK$165,821
+HK$8,303/mo
Deposit HK$3.27M · loan HK$29.46M · min. income ≈ HK$315,036/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,390,965 · Scale 2, in force from 26 Feb 2026)