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$74,349
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,662
−HK$2,350/mo
Today · 4.125%
HK$79,012
baseline
▲ 0.50% · 4.625%
HK$83,819
+HK$4,807/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,024/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,713
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,931
−HK$2,251/mo
Today · 4.125%
HK$87,182
baseline
▲ 0.50% · 4.625%
HK$91,777
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,364/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,219
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,994
−HK$2,820/mo
Today · 4.125%
HK$94,814
baseline
▲ 0.50% · 4.625%
HK$100,583
+HK$5,769/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,628/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,255
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,917
−HK$2,701/mo
Today · 4.125%
HK$104,618
baseline
▲ 0.50% · 4.625%
HK$110,132
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,236/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,089
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,327
−HK$3,289/mo
Today · 4.125%
HK$110,616
baseline
▲ 0.50% · 4.625%
HK$117,347
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,232/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,798
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,904
−HK$3,150/mo
Today · 4.125%
HK$122,054
baseline
▲ 0.50% · 4.625%
HK$128,488
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,108/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,829
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,992
−HK$4,229/mo
Today · 4.125%
HK$142,221
baseline
▲ 0.50% · 4.625%
HK$150,875
+HK$8,654/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,442/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,883
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,876
−HK$4,051/mo
Today · 4.125%
HK$156,927
baseline
▲ 0.50% · 4.625%
HK$165,199
+HK$8,272/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,854/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,742 · Scale 2, in force from 26 Feb 2026)