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$74,246
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,556
−HK$2,346/mo
Today · 4.125%
HK$78,902
baseline
▲ 0.50% · 4.625%
HK$83,703
+HK$4,801/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,804/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,598
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,813
−HK$2,248/mo
Today · 4.125%
HK$87,061
baseline
▲ 0.50% · 4.625%
HK$91,650
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,122/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,095
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,867
−HK$2,816/mo
Today · 4.125%
HK$94,683
baseline
▲ 0.50% · 4.625%
HK$100,444
+HK$5,761/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$189,366/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,118
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,776
−HK$2,697/mo
Today · 4.125%
HK$104,473
baseline
▲ 0.50% · 4.625%
HK$109,980
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$208,946/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,945
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,178
−HK$3,285/mo
Today · 4.125%
HK$110,463
baseline
▲ 0.50% · 4.625%
HK$117,184
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,926/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,637
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,739
−HK$3,146/mo
Today · 4.125%
HK$121,885
baseline
▲ 0.50% · 4.625%
HK$128,310
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,770/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,643
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,800
−HK$4,224/mo
Today · 4.125%
HK$142,024
baseline
▲ 0.50% · 4.625%
HK$150,666
+HK$8,642/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,048/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,677
−HK$8,032/mo
▼ 0.25% · 3.875%
HK$152,664
−HK$4,045/mo
Today · 4.125%
HK$156,709
baseline
▲ 0.50% · 4.625%
HK$164,970
+HK$8,261/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,418/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,821 · Scale 2, in force from 26 Feb 2026)