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$74,144
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,450
−HK$2,343/mo
Today · 4.125%
HK$78,793
baseline
▲ 0.50% · 4.625%
HK$83,588
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,586/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,484
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,697
−HK$2,244/mo
Today · 4.125%
HK$86,941
baseline
▲ 0.50% · 4.625%
HK$91,524
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,882/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,973
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,740
−HK$2,812/mo
Today · 4.125%
HK$94,552
baseline
▲ 0.50% · 4.625%
HK$100,305
+HK$5,753/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,104/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,981
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,636
−HK$2,693/mo
Today · 4.125%
HK$104,329
baseline
▲ 0.50% · 4.625%
HK$109,828
+HK$5,499/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,658/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,802
−HK$6,509/mo
▼ 0.25% · 3.875%
HK$107,030
−HK$3,281/mo
Today · 4.125%
HK$110,311
baseline
▲ 0.50% · 4.625%
HK$117,023
+HK$6,712/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$220,622/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,478
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,575
−HK$3,142/mo
Today · 4.125%
HK$121,717
baseline
▲ 0.50% · 4.625%
HK$128,133
+HK$6,416/mo
Deposit HK$9.75M · loan HK$22.76M · min. income ≈ HK$243,434/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,459
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$137,611
−HK$4,217/mo
Today · 4.125%
HK$141,828
baseline
▲ 0.50% · 4.625%
HK$150,458
+HK$8,630/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$283,656/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,472
−HK$8,021/mo
▼ 0.25% · 3.875%
HK$152,454
−HK$4,039/mo
Today · 4.125%
HK$156,493
baseline
▲ 0.50% · 4.625%
HK$164,742
+HK$8,249/mo
Deposit HK$3.25M · loan HK$29.26M · min. income ≈ HK$312,986/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,381,915 · Scale 2, in force from 26 Feb 2026)