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$74,329
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,641
−HK$2,349/mo
Today · 4.125%
HK$78,990
baseline
▲ 0.50% · 4.625%
HK$83,796
+HK$4,806/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,980/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,690
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,250/mo
Today · 4.125%
HK$87,158
baseline
▲ 0.50% · 4.625%
HK$91,752
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,316/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,195
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,969
−HK$2,819/mo
Today · 4.125%
HK$94,788
baseline
▲ 0.50% · 4.625%
HK$100,555
+HK$5,767/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,576/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,228
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,889
−HK$2,700/mo
Today · 4.125%
HK$104,589
baseline
▲ 0.50% · 4.625%
HK$110,102
+HK$5,513/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,178/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,060
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,297
−HK$3,289/mo
Today · 4.125%
HK$110,586
baseline
▲ 0.50% · 4.625%
HK$117,315
+HK$6,729/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,172/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,766
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,871
−HK$3,150/mo
Today · 4.125%
HK$122,021
baseline
▲ 0.50% · 4.625%
HK$128,452
+HK$6,431/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,042/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,792
−HK$8,390/mo
▼ 0.25% · 3.875%
HK$137,954
−HK$4,228/mo
Today · 4.125%
HK$142,182
baseline
▲ 0.50% · 4.625%
HK$150,833
+HK$8,651/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,364/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,842
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,834
−HK$4,050/mo
Today · 4.125%
HK$156,884
baseline
▲ 0.50% · 4.625%
HK$165,153
+HK$8,269/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,768/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,360 · Scale 2, in force from 26 Feb 2026)