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$74,177
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,485
−HK$2,344/mo
Today · 4.125%
HK$78,829
baseline
▲ 0.50% · 4.625%
HK$83,625
+HK$4,796/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$157,658/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,522
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,735
−HK$2,245/mo
Today · 4.125%
HK$86,980
baseline
▲ 0.50% · 4.625%
HK$91,565
+HK$4,585/mo
Deposit HK$16.27M · loan HK$16.27M · min. income ≈ HK$173,960/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,013
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,782
−HK$2,813/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$100,351
+HK$5,756/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,190/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,026
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,682
−HK$2,694/mo
Today · 4.125%
HK$104,376
baseline
▲ 0.50% · 4.625%
HK$109,878
+HK$5,502/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,752/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,848
−HK$6,512/mo
▼ 0.25% · 3.875%
HK$107,079
−HK$3,281/mo
Today · 4.125%
HK$110,360
baseline
▲ 0.50% · 4.625%
HK$117,076
+HK$6,716/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,720/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,530
−HK$6,242/mo
▼ 0.25% · 3.875%
HK$118,629
−HK$3,143/mo
Today · 4.125%
HK$121,772
baseline
▲ 0.50% · 4.625%
HK$128,191
+HK$6,419/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,544/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,519
−HK$8,373/mo
▼ 0.25% · 3.875%
HK$137,672
−HK$4,220/mo
Today · 4.125%
HK$141,892
baseline
▲ 0.50% · 4.625%
HK$150,526
+HK$8,634/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$283,784/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,539
−HK$8,025/mo
▼ 0.25% · 3.875%
HK$152,523
−HK$4,041/mo
Today · 4.125%
HK$156,564
baseline
▲ 0.50% · 4.625%
HK$164,817
+HK$8,253/mo
Deposit HK$3.25M · loan HK$29.28M · min. income ≈ HK$313,128/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,537 · Scale 2, in force from 26 Feb 2026)