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$74,204
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,512
−HK$2,345/mo
Today · 4.125%
HK$78,857
baseline
▲ 0.50% · 4.625%
HK$83,655
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,714/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,551
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,246/mo
Today · 4.125%
HK$87,011
baseline
▲ 0.50% · 4.625%
HK$91,597
+HK$4,586/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$174,022/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,044
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,814
−HK$2,814/mo
Today · 4.125%
HK$94,628
baseline
▲ 0.50% · 4.625%
HK$100,386
+HK$5,758/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,256/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,061
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,718
−HK$2,695/mo
Today · 4.125%
HK$104,413
baseline
▲ 0.50% · 4.625%
HK$109,917
+HK$5,504/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,826/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,885
−HK$6,515/mo
▼ 0.25% · 3.875%
HK$107,116
−HK$3,284/mo
Today · 4.125%
HK$110,400
baseline
▲ 0.50% · 4.625%
HK$117,117
+HK$6,717/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,800/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,571
−HK$6,244/mo
▼ 0.25% · 3.875%
HK$118,671
−HK$3,144/mo
Today · 4.125%
HK$121,815
baseline
▲ 0.50% · 4.625%
HK$128,236
+HK$6,421/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,630/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,567
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,721
−HK$4,221/mo
Today · 4.125%
HK$141,942
baseline
▲ 0.50% · 4.625%
HK$150,579
+HK$8,637/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$283,884/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,591
−HK$8,028/mo
▼ 0.25% · 3.875%
HK$152,577
−HK$4,042/mo
Today · 4.125%
HK$156,619
baseline
▲ 0.50% · 4.625%
HK$164,875
+HK$8,256/mo
Deposit HK$3.25M · loan HK$29.29M · min. income ≈ HK$313,238/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,026 · Scale 2, in force from 26 Feb 2026)