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$73,966
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,266
−HK$2,338/mo
Today · 4.125%
HK$78,604
baseline
▲ 0.50% · 4.625%
HK$83,387
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,208/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,286
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,493
−HK$2,239/mo
Today · 4.125%
HK$86,732
baseline
▲ 0.50% · 4.625%
HK$91,304
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,464/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,759
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,520
−HK$2,805/mo
Today · 4.125%
HK$94,325
baseline
▲ 0.50% · 4.625%
HK$100,064
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,650/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,392
−HK$2,686/mo
Today · 4.125%
HK$104,078
baseline
▲ 0.50% · 4.625%
HK$109,564
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,156/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,552
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,773
−HK$3,273/mo
Today · 4.125%
HK$110,046
baseline
▲ 0.50% · 4.625%
HK$116,742
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,092/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,201
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,290
−HK$3,135/mo
Today · 4.125%
HK$121,425
baseline
▲ 0.50% · 4.625%
HK$127,825
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,850/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,138
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,280
−HK$4,207/mo
Today · 4.125%
HK$141,487
baseline
▲ 0.50% · 4.625%
HK$150,096
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,974/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,115
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,087
−HK$4,030/mo
Today · 4.125%
HK$156,117
baseline
▲ 0.50% · 4.625%
HK$164,346
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,234/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,593 · Scale 2, in force from 26 Feb 2026)