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$74,870
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,198
−HK$2,367/mo
Today · 4.125%
HK$79,565
baseline
▲ 0.50% · 4.625%
HK$84,406
+HK$4,841/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$159,130/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,292
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,526
−HK$2,266/mo
Today · 4.125%
HK$87,792
baseline
▲ 0.50% · 4.625%
HK$92,419
+HK$4,627/mo
Deposit HK$16.42M · loan HK$16.42M · min. income ≈ HK$175,584/mo (50% DSR)
Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,844
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,638
−HK$2,840/mo
Today · 4.125%
HK$95,478
baseline
▲ 0.50% · 4.625%
HK$101,287
+HK$5,809/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$190,956/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,950
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,631
−HK$2,719/mo
Today · 4.125%
HK$105,350
baseline
▲ 0.50% · 4.625%
HK$110,903
+HK$5,553/mo
Deposit HK$13.13M · loan HK$19.70M · min. income ≈ HK$210,700/mo (50% DSR)
Upfront cash ≈ HK$14.53M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,817
−HK$6,573/mo
▼ 0.25% · 3.875%
HK$108,078
−HK$3,312/mo
Today · 4.125%
HK$111,390
baseline
▲ 0.50% · 4.625%
HK$118,168
+HK$6,778/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$222,780/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,608
−HK$6,300/mo
▼ 0.25% · 3.875%
HK$119,736
−HK$3,172/mo
Today · 4.125%
HK$122,908
baseline
▲ 0.50% · 4.625%
HK$129,387
+HK$6,479/mo
Deposit HK$9.85M · loan HK$22.98M · min. income ≈ HK$245,816/mo (50% DSR)
Upfront cash ≈ HK$11.25M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,765
−HK$8,451/mo
▼ 0.25% · 3.875%
HK$138,957
−HK$4,259/mo
Today · 4.125%
HK$143,216
baseline
▲ 0.50% · 4.625%
HK$151,931
+HK$8,715/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$286,432/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,925
−HK$8,100/mo
▼ 0.25% · 3.875%
HK$153,946
−HK$4,079/mo
Today · 4.125%
HK$158,025
baseline
▲ 0.50% · 4.625%
HK$166,355
+HK$8,330/mo
Deposit HK$3.28M · loan HK$29.55M · min. income ≈ HK$316,050/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,395,440 · Scale 2, in force from 26 Feb 2026)