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$74,312
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,623
−HK$2,349/mo
Today · 4.125%
HK$78,972
baseline
▲ 0.50% · 4.625%
HK$83,777
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,944/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,671
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,888
−HK$2,250/mo
Today · 4.125%
HK$87,138
baseline
▲ 0.50% · 4.625%
HK$91,731
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,276/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,174
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,948
−HK$2,818/mo
Today · 4.125%
HK$94,766
baseline
▲ 0.50% · 4.625%
HK$100,532
+HK$5,766/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,532/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,205
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,866
−HK$2,699/mo
Today · 4.125%
HK$104,565
baseline
▲ 0.50% · 4.625%
HK$110,077
+HK$5,512/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,130/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,036
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,273
−HK$3,287/mo
Today · 4.125%
HK$110,560
baseline
▲ 0.50% · 4.625%
HK$117,288
+HK$6,728/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,120/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,739
−HK$6,254/mo
▼ 0.25% · 3.875%
HK$118,844
−HK$3,149/mo
Today · 4.125%
HK$121,993
baseline
▲ 0.50% · 4.625%
HK$128,423
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,986/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,761
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,922
−HK$4,227/mo
Today · 4.125%
HK$142,149
baseline
▲ 0.50% · 4.625%
HK$150,799
+HK$8,650/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,298/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,808
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,799
−HK$4,049/mo
Today · 4.125%
HK$156,848
baseline
▲ 0.50% · 4.625%
HK$165,115
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,696/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,042 · Scale 2, in force from 26 Feb 2026)