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$73,993
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,295
−HK$2,339/mo
Today · 4.125%
HK$78,634
baseline
▲ 0.50% · 4.625%
HK$83,418
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,268/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,317
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,525
−HK$2,239/mo
Today · 4.125%
HK$86,764
baseline
▲ 0.50% · 4.625%
HK$91,338
+HK$4,574/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,528/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,792
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,554
−HK$2,806/mo
Today · 4.125%
HK$94,360
baseline
▲ 0.50% · 4.625%
HK$100,102
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,720/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,780
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,430
−HK$2,687/mo
Today · 4.125%
HK$104,117
baseline
▲ 0.50% · 4.625%
HK$109,605
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,234/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,591
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,813
−HK$3,274/mo
Today · 4.125%
HK$110,087
baseline
▲ 0.50% · 4.625%
HK$116,785
+HK$6,698/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,174/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,244
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,335
−HK$3,135/mo
Today · 4.125%
HK$121,470
baseline
▲ 0.50% · 4.625%
HK$127,873
+HK$6,403/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,940/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,188
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,331
−HK$4,209/mo
Today · 4.125%
HK$141,540
baseline
▲ 0.50% · 4.625%
HK$150,153
+HK$8,613/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,080/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,171
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,144
−HK$4,032/mo
Today · 4.125%
HK$156,176
baseline
▲ 0.50% · 4.625%
HK$164,408
+HK$8,232/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,352/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,110 · Scale 2, in force from 26 Feb 2026)