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$74,255
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,347/mo
Today · 4.125%
HK$78,911
baseline
▲ 0.50% · 4.625%
HK$83,713
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,822/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,608
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,248/mo
Today · 4.125%
HK$87,071
baseline
▲ 0.50% · 4.625%
HK$91,660
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,142/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,106
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,877
−HK$2,816/mo
Today · 4.125%
HK$94,693
baseline
▲ 0.50% · 4.625%
HK$100,455
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,386/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,129
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,788
−HK$2,697/mo
Today · 4.125%
HK$104,485
baseline
▲ 0.50% · 4.625%
HK$109,992
+HK$5,507/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,970/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,957
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,190
−HK$3,286/mo
Today · 4.125%
HK$110,476
baseline
▲ 0.50% · 4.625%
HK$117,198
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,952/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,651
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,752
−HK$3,147/mo
Today · 4.125%
HK$121,899
baseline
▲ 0.50% · 4.625%
HK$128,324
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,798/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,659
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,816
−HK$4,224/mo
Today · 4.125%
HK$142,040
baseline
▲ 0.50% · 4.625%
HK$150,683
+HK$8,643/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,080/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,694
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,682
−HK$4,045/mo
Today · 4.125%
HK$156,727
baseline
▲ 0.50% · 4.625%
HK$164,989
+HK$8,262/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,454/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,979 · Scale 2, in force from 26 Feb 2026)