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$74,254
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,564
−HK$2,347/mo
Today · 4.125%
HK$78,911
baseline
▲ 0.50% · 4.625%
HK$83,712
+HK$4,801/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$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,607
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,823
−HK$2,247/mo
Today · 4.125%
HK$87,070
baseline
▲ 0.50% · 4.625%
HK$91,660
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,140/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,105
−HK$5,588/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$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,129
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,787
−HK$2,697/mo
Today · 4.125%
HK$104,484
baseline
▲ 0.50% · 4.625%
HK$109,992
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,968/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,956
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,190
−HK$3,285/mo
Today · 4.125%
HK$110,475
baseline
▲ 0.50% · 4.625%
HK$117,197
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,950/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,650
−HK$6,249/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$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,658
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,816
−HK$4,224/mo
Today · 4.125%
HK$142,040
baseline
▲ 0.50% · 4.625%
HK$150,682
+HK$8,642/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$1,383,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,693
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,681
−HK$4,046/mo
Today · 4.125%
HK$156,727
baseline
▲ 0.50% · 4.625%
HK$164,988
+HK$8,261/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$1,383,974 · Scale 2, in force from 26 Feb 2026)