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$74,163
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,470
−HK$2,343/mo
Today · 4.125%
HK$78,813
baseline
▲ 0.50% · 4.625%
HK$83,609
+HK$4,796/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,626/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,505
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,718
−HK$2,245/mo
Today · 4.125%
HK$86,963
baseline
▲ 0.50% · 4.625%
HK$91,547
+HK$4,584/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,926/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,995
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,764
−HK$2,812/mo
Today · 4.125%
HK$94,576
baseline
▲ 0.50% · 4.625%
HK$100,331
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,152/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,006
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,662
−HK$2,693/mo
Today · 4.125%
HK$104,355
baseline
▲ 0.50% · 4.625%
HK$109,856
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,710/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,828
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,058
−HK$3,281/mo
Today · 4.125%
HK$110,339
baseline
▲ 0.50% · 4.625%
HK$117,053
+HK$6,714/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,678/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,508
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,605
−HK$3,143/mo
Today · 4.125%
HK$121,748
baseline
▲ 0.50% · 4.625%
HK$128,166
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,496/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,493
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,645
−HK$4,219/mo
Today · 4.125%
HK$141,864
baseline
▲ 0.50% · 4.625%
HK$150,496
+HK$8,632/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,728/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,510
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,493
−HK$4,040/mo
Today · 4.125%
HK$156,533
baseline
▲ 0.50% · 4.625%
HK$164,784
+HK$8,251/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,066/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,266 · Scale 2, in force from 26 Feb 2026)