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$74,362
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,675
−HK$2,350/mo
Today · 4.125%
HK$79,025
baseline
▲ 0.50% · 4.625%
HK$83,833
+HK$4,808/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,050/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,726
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,945
−HK$2,251/mo
Today · 4.125%
HK$87,196
baseline
▲ 0.50% · 4.625%
HK$91,792
+HK$4,596/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,392/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,234
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,010
−HK$2,820/mo
Today · 4.125%
HK$94,830
baseline
▲ 0.50% · 4.625%
HK$100,600
+HK$5,770/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$189,660/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,272
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,934
−HK$2,701/mo
Today · 4.125%
HK$104,635
baseline
▲ 0.50% · 4.625%
HK$110,151
+HK$5,516/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$209,270/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,106
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,344
−HK$3,291/mo
Today · 4.125%
HK$110,635
baseline
▲ 0.50% · 4.625%
HK$117,366
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,270/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,817
−HK$6,257/mo
▼ 0.25% · 3.875%
HK$118,923
−HK$3,151/mo
Today · 4.125%
HK$122,074
baseline
▲ 0.50% · 4.625%
HK$128,509
+HK$6,435/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,148/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,851
−HK$8,393/mo
▼ 0.25% · 3.875%
HK$138,014
−HK$4,230/mo
Today · 4.125%
HK$142,244
baseline
▲ 0.50% · 4.625%
HK$150,900
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,488/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,908
−HK$8,045/mo
▼ 0.25% · 3.875%
HK$152,901
−HK$4,052/mo
Today · 4.125%
HK$156,953
baseline
▲ 0.50% · 4.625%
HK$165,226
+HK$8,273/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,906/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,969 · Scale 2, in force from 26 Feb 2026)