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$73,942
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,337/mo
Today · 4.125%
HK$78,579
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,158/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,238/mo
Today · 4.125%
HK$86,704
baseline
▲ 0.50% · 4.625%
HK$91,274
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,408/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,730
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,491
−HK$2,804/mo
Today · 4.125%
HK$94,295
baseline
▲ 0.50% · 4.625%
HK$100,032
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,590/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,712
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,359
−HK$2,686/mo
Today · 4.125%
HK$104,045
baseline
▲ 0.50% · 4.625%
HK$109,529
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,090/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,519
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,739
−HK$3,271/mo
Today · 4.125%
HK$110,010
baseline
▲ 0.50% · 4.625%
HK$116,704
+HK$6,694/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,020/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,164
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,252
−HK$3,134/mo
Today · 4.125%
HK$121,386
baseline
▲ 0.50% · 4.625%
HK$127,784
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,772/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,096
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,236
−HK$4,206/mo
Today · 4.125%
HK$141,442
baseline
▲ 0.50% · 4.625%
HK$150,048
+HK$8,606/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,884/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,068
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,039
−HK$4,028/mo
Today · 4.125%
HK$156,067
baseline
▲ 0.50% · 4.625%
HK$164,294
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,134/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,152 · Scale 2, in force from 26 Feb 2026)