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$74,244
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,553
−HK$2,347/mo
Today · 4.125%
HK$78,900
baseline
▲ 0.50% · 4.625%
HK$83,701
+HK$4,801/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,800/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,596
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,811
−HK$2,247/mo
Today · 4.125%
HK$87,058
baseline
▲ 0.50% · 4.625%
HK$91,647
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,116/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,093
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,864
−HK$2,816/mo
Today · 4.125%
HK$94,680
baseline
▲ 0.50% · 4.625%
HK$100,441
+HK$5,761/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$189,360/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,115
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,773
−HK$2,697/mo
Today · 4.125%
HK$104,470
baseline
▲ 0.50% · 4.625%
HK$109,977
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$208,940/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,942
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,175
−HK$3,285/mo
Today · 4.125%
HK$110,460
baseline
▲ 0.50% · 4.625%
HK$117,181
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,920/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,634
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,735
−HK$3,146/mo
Today · 4.125%
HK$121,881
baseline
▲ 0.50% · 4.625%
HK$128,306
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,762/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,639
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,796
−HK$4,224/mo
Today · 4.125%
HK$142,020
baseline
▲ 0.50% · 4.625%
HK$150,661
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,040/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,672
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,660
−HK$4,045/mo
Today · 4.125%
HK$156,705
baseline
▲ 0.50% · 4.625%
HK$164,965
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,410/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,781 · Scale 2, in force from 26 Feb 2026)