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$74,301
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,612
−HK$2,348/mo
Today · 4.125%
HK$78,960
baseline
▲ 0.50% · 4.625%
HK$83,765
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,920/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,659
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,249/mo
Today · 4.125%
HK$87,125
baseline
▲ 0.50% · 4.625%
HK$91,717
+HK$4,592/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,250/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,161
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,818/mo
Today · 4.125%
HK$94,752
baseline
▲ 0.50% · 4.625%
HK$100,518
+HK$5,766/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,504/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,191
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$2,699/mo
Today · 4.125%
HK$104,550
baseline
▲ 0.50% · 4.625%
HK$110,061
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,100/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,021
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,257
−HK$3,287/mo
Today · 4.125%
HK$110,544
baseline
▲ 0.50% · 4.625%
HK$117,270
+HK$6,726/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,088/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,722
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,826
−HK$3,149/mo
Today · 4.125%
HK$121,975
baseline
▲ 0.50% · 4.625%
HK$128,404
+HK$6,429/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,950/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,741
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,901
−HK$4,227/mo
Today · 4.125%
HK$142,128
baseline
▲ 0.50% · 4.625%
HK$150,776
+HK$8,648/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,256/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,786
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,776
−HK$4,048/mo
Today · 4.125%
HK$156,824
baseline
▲ 0.50% · 4.625%
HK$165,091
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,648/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,837 · Scale 2, in force from 26 Feb 2026)