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$74,149
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,456
−HK$2,343/mo
Today · 4.125%
HK$78,799
baseline
▲ 0.50% · 4.625%
HK$83,594
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,598/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,490
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,703
−HK$2,244/mo
Today · 4.125%
HK$86,947
baseline
▲ 0.50% · 4.625%
HK$91,530
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,894/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,979
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,747
−HK$2,812/mo
Today · 4.125%
HK$94,559
baseline
▲ 0.50% · 4.625%
HK$100,313
+HK$5,754/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,118/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,988
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,643
−HK$2,693/mo
Today · 4.125%
HK$104,336
baseline
▲ 0.50% · 4.625%
HK$109,836
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,672/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,809
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,038
−HK$3,281/mo
Today · 4.125%
HK$110,319
baseline
▲ 0.50% · 4.625%
HK$117,031
+HK$6,712/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,638/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,487
−HK$6,239/mo
▼ 0.25% · 3.875%
HK$118,584
−HK$3,142/mo
Today · 4.125%
HK$121,726
baseline
▲ 0.50% · 4.625%
HK$128,142
+HK$6,416/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,452/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,469
−HK$8,369/mo
▼ 0.25% · 3.875%
HK$137,620
−HK$4,218/mo
Today · 4.125%
HK$141,838
baseline
▲ 0.50% · 4.625%
HK$150,469
+HK$8,631/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,676/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,483
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,465
−HK$4,040/mo
Today · 4.125%
HK$156,505
baseline
▲ 0.50% · 4.625%
HK$164,754
+HK$8,249/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,010/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,014 · Scale 2, in force from 26 Feb 2026)