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$74,295
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,606
−HK$2,348/mo
Today · 4.125%
HK$78,954
baseline
▲ 0.50% · 4.625%
HK$83,758
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,908/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,652
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,869
−HK$2,249/mo
Today · 4.125%
HK$87,118
baseline
▲ 0.50% · 4.625%
HK$91,710
+HK$4,592/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,236/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,154
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,927
−HK$2,817/mo
Today · 4.125%
HK$94,744
baseline
▲ 0.50% · 4.625%
HK$100,509
+HK$5,765/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,488/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,183
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,843
−HK$2,698/mo
Today · 4.125%
HK$104,541
baseline
▲ 0.50% · 4.625%
HK$110,052
+HK$5,511/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,082/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,013
−HK$6,522/mo
▼ 0.25% · 3.875%
HK$107,248
−HK$3,287/mo
Today · 4.125%
HK$110,535
baseline
▲ 0.50% · 4.625%
HK$117,261
+HK$6,726/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$221,070/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,713
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,816
−HK$3,149/mo
Today · 4.125%
HK$121,965
baseline
▲ 0.50% · 4.625%
HK$128,394
+HK$6,429/mo
Deposit HK$9.77M · loan HK$22.81M · min. income ≈ HK$243,930/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,731
−HK$8,386/mo
▼ 0.25% · 3.875%
HK$137,890
−HK$4,227/mo
Today · 4.125%
HK$142,117
baseline
▲ 0.50% · 4.625%
HK$150,764
+HK$8,647/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,234/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,774
−HK$8,038/mo
▼ 0.25% · 3.875%
HK$152,764
−HK$4,048/mo
Today · 4.125%
HK$156,812
baseline
▲ 0.50% · 4.625%
HK$165,078
+HK$8,266/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,624/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,726 · Scale 2, in force from 26 Feb 2026)