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$74,676
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,999
−HK$2,360/mo
Today · 4.125%
HK$79,359
baseline
▲ 0.50% · 4.625%
HK$84,188
+HK$4,829/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$158,718/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,077
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,305
−HK$2,260/mo
Today · 4.125%
HK$87,565
baseline
▲ 0.50% · 4.625%
HK$92,181
+HK$4,616/mo
Deposit HK$16.37M · loan HK$16.37M · min. income ≈ HK$175,130/mo (50% DSR)
Upfront cash ≈ HK$17.77M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,612
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,399
−HK$2,832/mo
Today · 4.125%
HK$95,231
baseline
▲ 0.50% · 4.625%
HK$101,026
+HK$5,795/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$190,462/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,692
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,366
−HK$2,712/mo
Today · 4.125%
HK$105,078
baseline
▲ 0.50% · 4.625%
HK$110,617
+HK$5,539/mo
Deposit HK$13.10M · loan HK$19.65M · min. income ≈ HK$210,156/mo (50% DSR)
Upfront cash ≈ HK$14.49M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,547
−HK$6,556/mo
▼ 0.25% · 3.875%
HK$107,799
−HK$3,304/mo
Today · 4.125%
HK$111,103
baseline
▲ 0.50% · 4.625%
HK$117,863
+HK$6,760/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$222,206/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,308
−HK$6,283/mo
▼ 0.25% · 3.875%
HK$119,427
−HK$3,164/mo
Today · 4.125%
HK$122,591
baseline
▲ 0.50% · 4.625%
HK$129,053
+HK$6,462/mo
Deposit HK$9.82M · loan HK$22.92M · min. income ≈ HK$245,182/mo (50% DSR)
Upfront cash ≈ HK$11.22M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,418
−HK$8,429/mo
▼ 0.25% · 3.875%
HK$138,599
−HK$4,248/mo
Today · 4.125%
HK$142,847
baseline
▲ 0.50% · 4.625%
HK$151,539
+HK$8,692/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$285,694/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,538
−HK$8,079/mo
▼ 0.25% · 3.875%
HK$153,549
−HK$4,068/mo
Today · 4.125%
HK$157,617
baseline
▲ 0.50% · 4.625%
HK$165,926
+HK$8,309/mo
Deposit HK$3.27M · loan HK$29.47M · min. income ≈ HK$315,234/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$1,391,840 · Scale 2, in force from 26 Feb 2026)