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$74,029
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,331
−HK$2,340/mo
Today · 4.125%
HK$78,671
baseline
▲ 0.50% · 4.625%
HK$83,458
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,342/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,356
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,565
−HK$2,241/mo
Today · 4.125%
HK$86,806
baseline
▲ 0.50% · 4.625%
HK$91,381
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,612/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,834
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,598
−HK$2,807/mo
Today · 4.125%
HK$94,405
baseline
▲ 0.50% · 4.625%
HK$100,149
+HK$5,744/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$188,810/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,827
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,478
−HK$2,689/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$109,657
+HK$5,490/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,640
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,864
−HK$3,275/mo
Today · 4.125%
HK$110,139
baseline
▲ 0.50% · 4.625%
HK$116,841
+HK$6,702/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,278/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,299
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,391
−HK$3,137/mo
Today · 4.125%
HK$121,528
baseline
▲ 0.50% · 4.625%
HK$127,934
+HK$6,406/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,056/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,252
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,396
−HK$4,212/mo
Today · 4.125%
HK$141,608
baseline
▲ 0.50% · 4.625%
HK$150,224
+HK$8,616/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,216/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,241
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,217
−HK$4,033/mo
Today · 4.125%
HK$156,250
baseline
▲ 0.50% · 4.625%
HK$164,486
+HK$8,236/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,500/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,766 · Scale 2, in force from 26 Feb 2026)