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$74,170
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,477
−HK$2,344/mo
Today · 4.125%
HK$78,821
baseline
▲ 0.50% · 4.625%
HK$83,617
+HK$4,796/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,642/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,513
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,726
−HK$2,245/mo
Today · 4.125%
HK$86,971
baseline
▲ 0.50% · 4.625%
HK$91,556
+HK$4,585/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,942/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,004
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,773
−HK$2,812/mo
Today · 4.125%
HK$94,585
baseline
▲ 0.50% · 4.625%
HK$100,341
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,170/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,016
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,672
−HK$2,694/mo
Today · 4.125%
HK$104,366
baseline
▲ 0.50% · 4.625%
HK$109,867
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,732/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,838
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,068
−HK$3,282/mo
Today · 4.125%
HK$110,350
baseline
▲ 0.50% · 4.625%
HK$117,064
+HK$6,714/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,700/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,519
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,617
−HK$3,143/mo
Today · 4.125%
HK$121,760
baseline
▲ 0.50% · 4.625%
HK$128,178
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,520/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,506
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,659
−HK$4,219/mo
Today · 4.125%
HK$141,878
baseline
▲ 0.50% · 4.625%
HK$150,511
+HK$8,633/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,756/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,524
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$152,508
−HK$4,040/mo
Today · 4.125%
HK$156,548
baseline
▲ 0.50% · 4.625%
HK$164,800
+HK$8,252/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,096/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,401 · Scale 2, in force from 26 Feb 2026)