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$74,495
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,812
−HK$2,354/mo
Today · 4.125%
HK$79,166
baseline
▲ 0.50% · 4.625%
HK$83,984
+HK$4,818/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,332/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,875
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,098
−HK$2,254/mo
Today · 4.125%
HK$87,352
baseline
▲ 0.50% · 4.625%
HK$91,957
+HK$4,605/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,704/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,394
−HK$5,606/mo
▼ 0.25% · 3.875%
HK$92,175
−HK$2,825/mo
Today · 4.125%
HK$95,000
baseline
▲ 0.50% · 4.625%
HK$100,780
+HK$5,780/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$190,000/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,450
−HK$5,373/mo
▼ 0.25% · 3.875%
HK$102,117
−HK$2,706/mo
Today · 4.125%
HK$104,823
baseline
▲ 0.50% · 4.625%
HK$110,348
+HK$5,525/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,646/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,293
−HK$6,540/mo
▼ 0.25% · 3.875%
HK$107,537
−HK$3,296/mo
Today · 4.125%
HK$110,833
baseline
▲ 0.50% · 4.625%
HK$117,577
+HK$6,744/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$221,666/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,025
−HK$6,268/mo
▼ 0.25% · 3.875%
HK$119,137
−HK$3,156/mo
Today · 4.125%
HK$122,293
baseline
▲ 0.50% · 4.625%
HK$128,740
+HK$6,447/mo
Deposit HK$9.80M · loan HK$22.87M · min. income ≈ HK$244,586/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,091
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$138,262
−HK$4,238/mo
Today · 4.125%
HK$142,500
baseline
▲ 0.50% · 4.625%
HK$151,170
+HK$8,670/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$285,000/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,175
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$153,176
−HK$4,058/mo
Today · 4.125%
HK$157,234
baseline
▲ 0.50% · 4.625%
HK$165,522
+HK$8,288/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,468/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,456 · Scale 2, in force from 26 Feb 2026)