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$74,231
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,540
−HK$2,345/mo
Today · 4.125%
HK$78,885
baseline
▲ 0.50% · 4.625%
HK$83,685
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,770/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,581
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,796
−HK$2,246/mo
Today · 4.125%
HK$87,042
baseline
▲ 0.50% · 4.625%
HK$91,630
+HK$4,588/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,084/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,077
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,847
−HK$2,816/mo
Today · 4.125%
HK$94,663
baseline
▲ 0.50% · 4.625%
HK$100,423
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,326/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,097
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,755
−HK$2,696/mo
Today · 4.125%
HK$104,451
baseline
▲ 0.50% · 4.625%
HK$109,957
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,902/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,923
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,155
−HK$3,285/mo
Today · 4.125%
HK$110,440
baseline
▲ 0.50% · 4.625%
HK$117,160
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,880/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,613
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,714
−HK$3,145/mo
Today · 4.125%
HK$121,859
baseline
▲ 0.50% · 4.625%
HK$128,283
+HK$6,424/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,718/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,615
−HK$8,379/mo
▼ 0.25% · 3.875%
HK$137,771
−HK$4,223/mo
Today · 4.125%
HK$141,994
baseline
▲ 0.50% · 4.625%
HK$150,634
+HK$8,640/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,988/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,645
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,632
−HK$4,044/mo
Today · 4.125%
HK$156,676
baseline
▲ 0.50% · 4.625%
HK$164,935
+HK$8,259/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,352/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,528 · Scale 2, in force from 26 Feb 2026)