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$74,890
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,220
−HK$2,366/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$84,429
+HK$4,843/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,315
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,549
−HK$2,267/mo
Today · 4.125%
HK$87,816
baseline
▲ 0.50% · 4.625%
HK$92,445
+HK$4,629/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,632/mo (50% DSR)
Upfront cash ≈ HK$17.82M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,868
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,664
−HK$2,840/mo
Today · 4.125%
HK$95,504
baseline
▲ 0.50% · 4.625%
HK$101,315
+HK$5,811/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$191,008/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,977
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,659
−HK$2,720/mo
Today · 4.125%
HK$105,379
baseline
▲ 0.50% · 4.625%
HK$110,934
+HK$5,555/mo
Deposit HK$13.14M · loan HK$19.71M · min. income ≈ HK$210,758/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,846
−HK$6,575/mo
▼ 0.25% · 3.875%
HK$108,108
−HK$3,313/mo
Today · 4.125%
HK$111,421
baseline
▲ 0.50% · 4.625%
HK$118,201
+HK$6,780/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$222,842/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,640
−HK$6,302/mo
▼ 0.25% · 3.875%
HK$119,769
−HK$3,173/mo
Today · 4.125%
HK$122,942
baseline
▲ 0.50% · 4.625%
HK$129,423
+HK$6,481/mo
Deposit HK$9.85M · loan HK$22.99M · min. income ≈ HK$245,884/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,802
−HK$8,454/mo
▼ 0.25% · 3.875%
HK$138,995
−HK$4,261/mo
Today · 4.125%
HK$143,256
baseline
▲ 0.50% · 4.625%
HK$151,972
+HK$8,716/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$286,512/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,966
−HK$8,102/mo
▼ 0.25% · 3.875%
HK$153,988
−HK$4,080/mo
Today · 4.125%
HK$158,068
baseline
▲ 0.50% · 4.625%
HK$166,400
+HK$8,332/mo
Deposit HK$3.28M · loan HK$29.56M · min. income ≈ HK$316,136/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,823 · Scale 2, in force from 26 Feb 2026)