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$73,953
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,253
−HK$2,338/mo
Today · 4.125%
HK$78,591
baseline
▲ 0.50% · 4.625%
HK$83,373
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,182/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,272
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,479
−HK$2,238/mo
Today · 4.125%
HK$86,717
baseline
▲ 0.50% · 4.625%
HK$91,288
+HK$4,571/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,434/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,744
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,504
−HK$2,805/mo
Today · 4.125%
HK$94,309
baseline
▲ 0.50% · 4.625%
HK$100,047
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,618/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,727
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,374
−HK$2,686/mo
Today · 4.125%
HK$104,060
baseline
▲ 0.50% · 4.625%
HK$109,546
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,120/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,534
−HK$6,493/mo
▼ 0.25% · 3.875%
HK$106,755
−HK$3,272/mo
Today · 4.125%
HK$110,027
baseline
▲ 0.50% · 4.625%
HK$116,722
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,054/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,181
−HK$6,223/mo
▼ 0.25% · 3.875%
HK$118,270
−HK$3,134/mo
Today · 4.125%
HK$121,404
baseline
▲ 0.50% · 4.625%
HK$127,803
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,808/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,116
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,256
−HK$4,207/mo
Today · 4.125%
HK$141,463
baseline
▲ 0.50% · 4.625%
HK$150,071
+HK$8,608/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,926/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,090
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,061
−HK$4,030/mo
Today · 4.125%
HK$156,091
baseline
▲ 0.50% · 4.625%
HK$164,318
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,182/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,358 · Scale 2, in force from 26 Feb 2026)