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$74,157
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,343/mo
Today · 4.125%
HK$78,807
baseline
▲ 0.50% · 4.625%
HK$83,602
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,614/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,499
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,711
−HK$2,245/mo
Today · 4.125%
HK$86,956
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$4,584/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,912/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,988
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,756
−HK$2,813/mo
Today · 4.125%
HK$94,569
baseline
▲ 0.50% · 4.625%
HK$100,323
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,138/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,999
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,654
−HK$2,693/mo
Today · 4.125%
HK$104,347
baseline
▲ 0.50% · 4.625%
HK$109,847
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,694/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,820
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,049
−HK$3,281/mo
Today · 4.125%
HK$110,330
baseline
▲ 0.50% · 4.625%
HK$117,043
+HK$6,713/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,660/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,498
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,596
−HK$3,142/mo
Today · 4.125%
HK$121,738
baseline
▲ 0.50% · 4.625%
HK$128,155
+HK$6,417/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,476/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,482
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,634
−HK$4,219/mo
Today · 4.125%
HK$141,853
baseline
▲ 0.50% · 4.625%
HK$150,484
+HK$8,631/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,706/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,498
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,480
−HK$4,041/mo
Today · 4.125%
HK$156,521
baseline
▲ 0.50% · 4.625%
HK$164,771
+HK$8,250/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,042/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,155 · Scale 2, in force from 26 Feb 2026)