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$73,993
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,338/mo
Today · 4.125%
HK$78,633
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,785/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,266/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,317
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,524
−HK$2,240/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$91,337
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,792
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,554
−HK$2,806/mo
Today · 4.125%
HK$94,360
baseline
▲ 0.50% · 4.625%
HK$100,101
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,720/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,780
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,429
−HK$2,688/mo
Today · 4.125%
HK$104,117
baseline
▲ 0.50% · 4.625%
HK$109,605
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,234/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,590
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,812
−HK$3,274/mo
Today · 4.125%
HK$110,086
baseline
▲ 0.50% · 4.625%
HK$116,785
+HK$6,699/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,172/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,243
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,334
−HK$3,135/mo
Today · 4.125%
HK$121,469
baseline
▲ 0.50% · 4.625%
HK$127,872
+HK$6,403/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,938/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,187
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,330
−HK$4,209/mo
Today · 4.125%
HK$141,539
baseline
▲ 0.50% · 4.625%
HK$150,152
+HK$8,613/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,078/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,170
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,144
−HK$4,031/mo
Today · 4.125%
HK$156,175
baseline
▲ 0.50% · 4.625%
HK$164,407
+HK$8,232/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,350/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,101 · Scale 2, in force from 26 Feb 2026)