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$74,405
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,719
−HK$2,351/mo
Today · 4.125%
HK$79,070
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,812/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,140/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,774
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,994
−HK$2,252/mo
Today · 4.125%
HK$87,246
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$4,599/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,492/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,286
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,063
−HK$2,821/mo
Today · 4.125%
HK$94,884
baseline
▲ 0.50% · 4.625%
HK$100,658
+HK$5,774/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$189,768/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,329
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,993
−HK$2,703/mo
Today · 4.125%
HK$104,696
baseline
▲ 0.50% · 4.625%
HK$110,214
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.58M · min. income ≈ HK$209,392/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,166
−HK$6,533/mo
▼ 0.25% · 3.875%
HK$107,407
−HK$3,292/mo
Today · 4.125%
HK$110,699
baseline
▲ 0.50% · 4.625%
HK$117,434
+HK$6,735/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,398/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,884
−HK$6,261/mo
▼ 0.25% · 3.875%
HK$118,992
−HK$3,153/mo
Today · 4.125%
HK$122,145
baseline
▲ 0.50% · 4.625%
HK$128,583
+HK$6,438/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,290/mo (50% DSR)
Upfront cash ≈ HK$11.18M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,928
−HK$8,399/mo
▼ 0.25% · 3.875%
HK$138,094
−HK$4,233/mo
Today · 4.125%
HK$142,327
baseline
▲ 0.50% · 4.625%
HK$150,987
+HK$8,660/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$284,654/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,994
−HK$8,050/mo
▼ 0.25% · 3.875%
HK$152,990
−HK$4,054/mo
Today · 4.125%
HK$157,044
baseline
▲ 0.50% · 4.625%
HK$165,322
+HK$8,278/mo
Deposit HK$3.26M · loan HK$29.37M · min. income ≈ HK$314,088/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,772 · Scale 2, in force from 26 Feb 2026)