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$74,313
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,625
−HK$2,348/mo
Today · 4.125%
HK$78,973
baseline
▲ 0.50% · 4.625%
HK$83,778
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,946/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,672
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,890
−HK$2,249/mo
Today · 4.125%
HK$87,139
baseline
▲ 0.50% · 4.625%
HK$91,732
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,278/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,176
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,949
−HK$2,819/mo
Today · 4.125%
HK$94,768
baseline
▲ 0.50% · 4.625%
HK$100,534
+HK$5,766/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,536/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,207
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,868
−HK$2,699/mo
Today · 4.125%
HK$104,567
baseline
▲ 0.50% · 4.625%
HK$110,079
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,134/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,038
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,274
−HK$3,288/mo
Today · 4.125%
HK$110,562
baseline
▲ 0.50% · 4.625%
HK$117,290
+HK$6,728/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,124/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,741
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,846
−HK$3,149/mo
Today · 4.125%
HK$121,995
baseline
▲ 0.50% · 4.625%
HK$128,425
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,990/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,763
−HK$8,389/mo
▼ 0.25% · 3.875%
HK$137,924
−HK$4,228/mo
Today · 4.125%
HK$142,152
baseline
▲ 0.50% · 4.625%
HK$150,801
+HK$8,649/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,304/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,810
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,802
−HK$4,048/mo
Today · 4.125%
HK$156,850
baseline
▲ 0.50% · 4.625%
HK$165,118
+HK$8,268/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,700/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,066 · Scale 2, in force from 26 Feb 2026)