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$73,964
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,265
−HK$2,338/mo
Today · 4.125%
HK$78,603
baseline
▲ 0.50% · 4.625%
HK$83,385
+HK$4,782/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,206/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,285
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,491
−HK$2,239/mo
Today · 4.125%
HK$86,730
baseline
▲ 0.50% · 4.625%
HK$91,302
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,460/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,757
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,518
−HK$2,805/mo
Today · 4.125%
HK$94,323
baseline
▲ 0.50% · 4.625%
HK$100,062
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,646/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,741
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,390
−HK$2,686/mo
Today · 4.125%
HK$104,076
baseline
▲ 0.50% · 4.625%
HK$109,562
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,152/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,550
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,771
−HK$3,273/mo
Today · 4.125%
HK$110,044
baseline
▲ 0.50% · 4.625%
HK$116,739
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,088/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,198
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,288
−HK$3,134/mo
Today · 4.125%
HK$121,422
baseline
▲ 0.50% · 4.625%
HK$127,823
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,844/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,136
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,277
−HK$4,208/mo
Today · 4.125%
HK$141,485
baseline
▲ 0.50% · 4.625%
HK$150,094
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,970/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,112
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,084
−HK$4,030/mo
Today · 4.125%
HK$156,114
baseline
▲ 0.50% · 4.625%
HK$164,343
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,228/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,566 · Scale 2, in force from 26 Feb 2026)