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$74,540
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,858
−HK$2,356/mo
Today · 4.125%
HK$79,214
baseline
▲ 0.50% · 4.625%
HK$84,034
+HK$4,820/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$158,428/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,924
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,148
−HK$2,257/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,012
+HK$4,607/mo
Deposit HK$16.34M · loan HK$16.34M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$17.73M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,447
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,230
−HK$2,827/mo
Today · 4.125%
HK$95,057
baseline
▲ 0.50% · 4.625%
HK$100,841
+HK$5,784/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$190,114/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,178
−HK$2,708/mo
Today · 4.125%
HK$104,886
baseline
▲ 0.50% · 4.625%
HK$110,414
+HK$5,528/mo
Deposit HK$13.08M · loan HK$19.61M · min. income ≈ HK$209,772/mo (50% DSR)
Upfront cash ≈ HK$14.46M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,355
−HK$6,544/mo
▼ 0.25% · 3.875%
HK$107,601
−HK$3,298/mo
Today · 4.125%
HK$110,899
baseline
▲ 0.50% · 4.625%
HK$117,647
+HK$6,748/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$221,798/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,094
−HK$6,272/mo
▼ 0.25% · 3.875%
HK$119,208
−HK$3,158/mo
Today · 4.125%
HK$122,366
baseline
▲ 0.50% · 4.625%
HK$128,817
+HK$6,451/mo
Deposit HK$9.81M · loan HK$22.88M · min. income ≈ HK$244,732/mo (50% DSR)
Upfront cash ≈ HK$11.20M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,171
−HK$8,414/mo
▼ 0.25% · 3.875%
HK$138,345
−HK$4,240/mo
Today · 4.125%
HK$142,585
baseline
▲ 0.50% · 4.625%
HK$151,261
+HK$8,676/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$285,170/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,264
−HK$8,064/mo
▼ 0.25% · 3.875%
HK$153,267
−HK$4,061/mo
Today · 4.125%
HK$157,328
baseline
▲ 0.50% · 4.625%
HK$165,621
+HK$8,293/mo
Deposit HK$3.27M · loan HK$29.42M · min. income ≈ HK$314,656/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$1,389,287 · Scale 2, in force from 26 Feb 2026)