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$73,999
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,301
−HK$2,339/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$83,425
+HK$4,785/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,323
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,531
−HK$2,240/mo
Today · 4.125%
HK$86,771
baseline
▲ 0.50% · 4.625%
HK$91,345
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,542/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,799
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,561
−HK$2,807/mo
Today · 4.125%
HK$94,368
baseline
▲ 0.50% · 4.625%
HK$100,110
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,736/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,788
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,438
−HK$2,687/mo
Today · 4.125%
HK$104,125
baseline
▲ 0.50% · 4.625%
HK$109,614
+HK$5,489/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,250/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,599
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,822
−HK$3,274/mo
Today · 4.125%
HK$110,096
baseline
▲ 0.50% · 4.625%
HK$116,795
+HK$6,699/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,192/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,253
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,344
−HK$3,136/mo
Today · 4.125%
HK$121,480
baseline
▲ 0.50% · 4.625%
HK$127,883
+HK$6,403/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,960/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,199
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,342
−HK$4,209/mo
Today · 4.125%
HK$141,551
baseline
▲ 0.50% · 4.625%
HK$150,165
+HK$8,614/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,102/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,182
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,156
−HK$4,032/mo
Today · 4.125%
HK$156,188
baseline
▲ 0.50% · 4.625%
HK$164,421
+HK$8,233/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,376/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,218 · Scale 2, in force from 26 Feb 2026)