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$74,052
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,356
−HK$2,340/mo
Today · 4.125%
HK$78,696
baseline
▲ 0.50% · 4.625%
HK$83,484
+HK$4,788/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,392/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,382
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,592
−HK$2,241/mo
Today · 4.125%
HK$86,833
baseline
▲ 0.50% · 4.625%
HK$91,410
+HK$4,577/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,666/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,863
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,627
−HK$2,808/mo
Today · 4.125%
HK$94,435
baseline
▲ 0.50% · 4.625%
HK$100,181
+HK$5,746/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,870/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,859
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,510
−HK$2,690/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$109,692
+HK$5,492/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,673
−HK$6,501/mo
▼ 0.25% · 3.875%
HK$106,898
−HK$3,276/mo
Today · 4.125%
HK$110,174
baseline
▲ 0.50% · 4.625%
HK$116,878
+HK$6,704/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,348/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,335
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,428
−HK$3,138/mo
Today · 4.125%
HK$121,566
baseline
▲ 0.50% · 4.625%
HK$127,974
+HK$6,408/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,132/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,294
−HK$8,359/mo
▼ 0.25% · 3.875%
HK$137,440
−HK$4,213/mo
Today · 4.125%
HK$141,653
baseline
▲ 0.50% · 4.625%
HK$150,272
+HK$8,619/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$283,306/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,288
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$152,265
−HK$4,035/mo
Today · 4.125%
HK$156,300
baseline
▲ 0.50% · 4.625%
HK$164,538
+HK$8,238/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$312,600/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,204 · Scale 2, in force from 26 Feb 2026)