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$74,953
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,285
−HK$2,368/mo
Today · 4.125%
HK$79,653
baseline
▲ 0.50% · 4.625%
HK$84,500
+HK$4,847/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$159,306/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,385
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,621
−HK$2,269/mo
Today · 4.125%
HK$87,890
baseline
▲ 0.50% · 4.625%
HK$92,522
+HK$4,632/mo
Deposit HK$16.44M · loan HK$16.44M · min. income ≈ HK$175,780/mo (50% DSR)
Upfront cash ≈ HK$17.83M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,944
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,741
−HK$2,843/mo
Today · 4.125%
HK$95,584
baseline
▲ 0.50% · 4.625%
HK$101,400
+HK$5,816/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$191,168/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,061
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,745
−HK$2,723/mo
Today · 4.125%
HK$105,468
baseline
▲ 0.50% · 4.625%
HK$111,027
+HK$5,559/mo
Deposit HK$13.15M · loan HK$19.72M · min. income ≈ HK$210,936/mo (50% DSR)
Upfront cash ≈ HK$14.55M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,934
−HK$6,581/mo
▼ 0.25% · 3.875%
HK$108,198
−HK$3,317/mo
Today · 4.125%
HK$111,515
baseline
▲ 0.50% · 4.625%
HK$118,300
+HK$6,785/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$223,030/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,738
−HK$6,307/mo
▼ 0.25% · 3.875%
HK$119,869
−HK$3,176/mo
Today · 4.125%
HK$123,045
baseline
▲ 0.50% · 4.625%
HK$129,531
+HK$6,486/mo
Deposit HK$9.86M · loan HK$23.01M · min. income ≈ HK$246,090/mo (50% DSR)
Upfront cash ≈ HK$11.26M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,916
−HK$8,460/mo
▼ 0.25% · 3.875%
HK$139,112
−HK$4,264/mo
Today · 4.125%
HK$143,376
baseline
▲ 0.50% · 4.625%
HK$152,100
+HK$8,724/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$286,752/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$150,092
−HK$8,109/mo
▼ 0.25% · 3.875%
HK$154,118
−HK$4,083/mo
Today · 4.125%
HK$158,201
baseline
▲ 0.50% · 4.625%
HK$166,540
+HK$8,339/mo
Deposit HK$3.29M · loan HK$29.58M · min. income ≈ HK$316,402/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$1,396,996 · Scale 2, in force from 26 Feb 2026)