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$74,020
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,323
−HK$2,339/mo
Today · 4.125%
HK$78,662
baseline
▲ 0.50% · 4.625%
HK$83,449
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,324/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,347
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,556
−HK$2,240/mo
Today · 4.125%
HK$86,796
baseline
▲ 0.50% · 4.625%
HK$91,371
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,592/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,825
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,588
−HK$2,807/mo
Today · 4.125%
HK$94,395
baseline
▲ 0.50% · 4.625%
HK$100,138
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,790/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,816
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,467
−HK$2,688/mo
Today · 4.125%
HK$104,155
baseline
▲ 0.50% · 4.625%
HK$109,645
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,310/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,629
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,852
−HK$3,275/mo
Today · 4.125%
HK$110,127
baseline
▲ 0.50% · 4.625%
HK$116,828
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,254/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,286
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,378
−HK$3,136/mo
Today · 4.125%
HK$121,514
baseline
▲ 0.50% · 4.625%
HK$127,920
+HK$6,406/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,028/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,237
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,381
−HK$4,211/mo
Today · 4.125%
HK$141,592
baseline
▲ 0.50% · 4.625%
HK$150,208
+HK$8,616/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,184/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,225
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,200
−HK$4,033/mo
Today · 4.125%
HK$156,233
baseline
▲ 0.50% · 4.625%
HK$164,468
+HK$8,235/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,466/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,613 · Scale 2, in force from 26 Feb 2026)