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$4,643/mo
▼ 0.25% · 3.875%
HK$76,332
−HK$2,340/mo
Today · 4.125%
HK$78,672
baseline
▲ 0.50% · 4.625%
HK$83,459
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,344/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,357
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,566
−HK$2,240/mo
Today · 4.125%
HK$86,806
baseline
▲ 0.50% · 4.625%
HK$91,382
+HK$4,576/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$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,835
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,599
−HK$2,807/mo
Today · 4.125%
HK$94,406
baseline
▲ 0.50% · 4.625%
HK$100,150
+HK$5,744/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$188,812/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,828
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,479
−HK$2,689/mo
Today · 4.125%
HK$104,168
baseline
▲ 0.50% · 4.625%
HK$109,659
+HK$5,491/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$208,336/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,641
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,865
−HK$3,275/mo
Today · 4.125%
HK$110,140
baseline
▲ 0.50% · 4.625%
HK$116,842
+HK$6,702/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,280/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,300
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,392
−HK$3,137/mo
Today · 4.125%
HK$121,529
baseline
▲ 0.50% · 4.625%
HK$127,935
+HK$6,406/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,058/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,253
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,398
−HK$4,211/mo
Today · 4.125%
HK$141,609
baseline
▲ 0.50% · 4.625%
HK$150,226
+HK$8,617/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,218/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,242
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$152,218
−HK$4,034/mo
Today · 4.125%
HK$156,252
baseline
▲ 0.50% · 4.625%
HK$164,488
+HK$8,236/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,504/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,779 · Scale 2, in force from 26 Feb 2026)