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$74,373
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,686
−HK$2,351/mo
Today · 4.125%
HK$79,037
baseline
▲ 0.50% · 4.625%
HK$83,846
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,074/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,739
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,958
−HK$2,251/mo
Today · 4.125%
HK$87,209
baseline
▲ 0.50% · 4.625%
HK$91,806
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,418/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,247
−HK$5,597/mo
▼ 0.25% · 3.875%
HK$92,023
−HK$2,821/mo
Today · 4.125%
HK$94,844
baseline
▲ 0.50% · 4.625%
HK$100,615
+HK$5,771/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,688/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,287
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,950
−HK$2,701/mo
Today · 4.125%
HK$104,651
baseline
▲ 0.50% · 4.625%
HK$110,167
+HK$5,516/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,302/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,122
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,361
−HK$3,290/mo
Today · 4.125%
HK$110,651
baseline
▲ 0.50% · 4.625%
HK$117,384
+HK$6,733/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,302/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,835
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,941
−HK$3,152/mo
Today · 4.125%
HK$122,093
baseline
▲ 0.50% · 4.625%
HK$128,528
+HK$6,435/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,186/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,871
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,035
−HK$4,231/mo
Today · 4.125%
HK$142,266
baseline
▲ 0.50% · 4.625%
HK$150,923
+HK$8,657/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,532/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,930
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,924
−HK$4,052/mo
Today · 4.125%
HK$156,976
baseline
▲ 0.50% · 4.625%
HK$165,251
+HK$8,275/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,952/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,180 · Scale 2, in force from 26 Feb 2026)