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$73,980
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,281
−HK$2,338/mo
Today · 4.125%
HK$78,619
baseline
▲ 0.50% · 4.625%
HK$83,403
+HK$4,784/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,238/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,302
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,509
−HK$2,240/mo
Today · 4.125%
HK$86,749
baseline
▲ 0.50% · 4.625%
HK$91,321
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,498/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,776
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,537
−HK$2,806/mo
Today · 4.125%
HK$94,343
baseline
▲ 0.50% · 4.625%
HK$100,084
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,686/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,762
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,411
−HK$2,687/mo
Today · 4.125%
HK$104,098
baseline
▲ 0.50% · 4.625%
HK$109,585
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,196/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,572
−HK$6,495/mo
▼ 0.25% · 3.875%
HK$106,794
−HK$3,273/mo
Today · 4.125%
HK$110,067
baseline
▲ 0.50% · 4.625%
HK$116,764
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,134/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,223
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,313
−HK$3,135/mo
Today · 4.125%
HK$121,448
baseline
▲ 0.50% · 4.625%
HK$127,850
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,896/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,164
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,306
−HK$4,209/mo
Today · 4.125%
HK$141,515
baseline
▲ 0.50% · 4.625%
HK$150,125
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,030/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,144
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,117
−HK$4,030/mo
Today · 4.125%
HK$156,147
baseline
▲ 0.50% · 4.625%
HK$164,378
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,294/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,858 · Scale 2, in force from 26 Feb 2026)