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$74,192
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,499
−HK$2,345/mo
Today · 4.125%
HK$78,844
baseline
▲ 0.50% · 4.625%
HK$83,642
+HK$4,798/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,688/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,538
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,751
−HK$2,246/mo
Today · 4.125%
HK$86,997
baseline
▲ 0.50% · 4.625%
HK$91,582
+HK$4,585/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,994/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,030
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,799
−HK$2,814/mo
Today · 4.125%
HK$94,613
baseline
▲ 0.50% · 4.625%
HK$100,370
+HK$5,757/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,226/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,045
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,701
−HK$2,695/mo
Today · 4.125%
HK$104,396
baseline
▲ 0.50% · 4.625%
HK$109,899
+HK$5,503/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,792/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,868
−HK$6,514/mo
▼ 0.25% · 3.875%
HK$107,099
−HK$3,283/mo
Today · 4.125%
HK$110,382
baseline
▲ 0.50% · 4.625%
HK$117,098
+HK$6,716/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$220,764/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,553
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,652
−HK$3,143/mo
Today · 4.125%
HK$121,795
baseline
▲ 0.50% · 4.625%
HK$128,215
+HK$6,420/mo
Deposit HK$9.76M · loan HK$22.78M · min. income ≈ HK$243,590/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,545
−HK$8,375/mo
▼ 0.25% · 3.875%
HK$137,699
−HK$4,221/mo
Today · 4.125%
HK$141,920
baseline
▲ 0.50% · 4.625%
HK$150,555
+HK$8,635/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,840/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,568
−HK$8,026/mo
▼ 0.25% · 3.875%
HK$152,552
−HK$4,042/mo
Today · 4.125%
HK$156,594
baseline
▲ 0.50% · 4.625%
HK$164,848
+HK$8,254/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,188/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,804 · Scale 2, in force from 26 Feb 2026)