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$74,520
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,838
−HK$2,355/mo
Today · 4.125%
HK$79,193
baseline
▲ 0.50% · 4.625%
HK$84,012
+HK$4,819/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,386/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,903
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,126
−HK$2,256/mo
Today · 4.125%
HK$87,382
baseline
▲ 0.50% · 4.625%
HK$91,988
+HK$4,606/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,764/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,424
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,206
−HK$2,826/mo
Today · 4.125%
HK$95,032
baseline
▲ 0.50% · 4.625%
HK$100,814
+HK$5,782/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$190,064/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,483
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,152
−HK$2,706/mo
Today · 4.125%
HK$104,858
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$5,527/mo
Deposit HK$13.07M · loan HK$19.61M · min. income ≈ HK$209,716/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,328
−HK$6,542/mo
▼ 0.25% · 3.875%
HK$107,573
−HK$3,297/mo
Today · 4.125%
HK$110,870
baseline
▲ 0.50% · 4.625%
HK$117,617
+HK$6,747/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$221,740/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,064
−HK$6,271/mo
▼ 0.25% · 3.875%
HK$119,177
−HK$3,158/mo
Today · 4.125%
HK$122,335
baseline
▲ 0.50% · 4.625%
HK$128,783
+HK$6,448/mo
Deposit HK$9.80M · loan HK$22.88M · min. income ≈ HK$244,670/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,136
−HK$8,412/mo
▼ 0.25% · 3.875%
HK$138,309
−HK$4,239/mo
Today · 4.125%
HK$142,548
baseline
▲ 0.50% · 4.625%
HK$151,221
+HK$8,673/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$285,096/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,225
−HK$8,062/mo
▼ 0.25% · 3.875%
HK$153,227
−HK$4,060/mo
Today · 4.125%
HK$157,287
baseline
▲ 0.50% · 4.625%
HK$165,578
+HK$8,291/mo
Deposit HK$3.27M · loan HK$29.41M · min. income ≈ HK$314,574/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,388,925 · Scale 2, in force from 26 Feb 2026)