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$74,297
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,608
−HK$2,348/mo
Today · 4.125%
HK$78,956
baseline
▲ 0.50% · 4.625%
HK$83,760
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,912/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,654
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,249/mo
Today · 4.125%
HK$87,120
baseline
▲ 0.50% · 4.625%
HK$91,712
+HK$4,592/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,240/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,156
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,929
−HK$2,818/mo
Today · 4.125%
HK$94,747
baseline
▲ 0.50% · 4.625%
HK$100,512
+HK$5,765/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,494/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,185
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,845
−HK$2,699/mo
Today · 4.125%
HK$104,544
baseline
▲ 0.50% · 4.625%
HK$110,055
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,088/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,015
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,251
−HK$3,287/mo
Today · 4.125%
HK$110,538
baseline
▲ 0.50% · 4.625%
HK$117,264
+HK$6,726/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$221,076/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,716
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,820
−HK$3,148/mo
Today · 4.125%
HK$121,968
baseline
▲ 0.50% · 4.625%
HK$128,397
+HK$6,429/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$243,936/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,734
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,894
−HK$4,226/mo
Today · 4.125%
HK$142,120
baseline
▲ 0.50% · 4.625%
HK$150,768
+HK$8,648/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,240/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,778
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,768
−HK$4,048/mo
Today · 4.125%
HK$156,816
baseline
▲ 0.50% · 4.625%
HK$165,082
+HK$8,266/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,632/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,761 · Scale 2, in force from 26 Feb 2026)