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$74,526
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,844
−HK$2,355/mo
Today · 4.125%
HK$79,199
baseline
▲ 0.50% · 4.625%
HK$84,018
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,398/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,909
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,133
−HK$2,255/mo
Today · 4.125%
HK$87,388
baseline
▲ 0.50% · 4.625%
HK$91,995
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,776/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,431
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,213
−HK$2,826/mo
Today · 4.125%
HK$95,039
baseline
▲ 0.50% · 4.625%
HK$100,822
+HK$5,783/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,078/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,491
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,159
−HK$2,707/mo
Today · 4.125%
HK$104,866
baseline
▲ 0.50% · 4.625%
HK$110,394
+HK$5,528/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,732/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,336
−HK$6,543/mo
▼ 0.25% · 3.875%
HK$107,581
−HK$3,298/mo
Today · 4.125%
HK$110,879
baseline
▲ 0.50% · 4.625%
HK$117,625
+HK$6,746/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$221,758/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,073
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,186
−HK$3,158/mo
Today · 4.125%
HK$122,344
baseline
▲ 0.50% · 4.625%
HK$128,793
+HK$6,449/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$244,688/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,146
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,319
−HK$4,239/mo
Today · 4.125%
HK$142,558
baseline
▲ 0.50% · 4.625%
HK$151,233
+HK$8,675/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,116/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,236
−HK$8,063/mo
▼ 0.25% · 3.875%
HK$153,239
−HK$4,060/mo
Today · 4.125%
HK$157,299
baseline
▲ 0.50% · 4.625%
HK$165,590
+HK$8,291/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,598/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,028 · Scale 2, in force from 26 Feb 2026)