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$74,279
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,590
−HK$2,347/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,741
+HK$4,804/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,635
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,851
−HK$2,249/mo
Today · 4.125%
HK$87,100
baseline
▲ 0.50% · 4.625%
HK$91,691
+HK$4,591/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,200/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,135
−HK$5,590/mo
▼ 0.25% · 3.875%
HK$91,908
−HK$2,817/mo
Today · 4.125%
HK$94,725
baseline
▲ 0.50% · 4.625%
HK$100,489
+HK$5,764/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,450/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,162
−HK$5,358/mo
▼ 0.25% · 3.875%
HK$101,822
−HK$2,698/mo
Today · 4.125%
HK$104,520
baseline
▲ 0.50% · 4.625%
HK$110,029
+HK$5,509/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,040/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,991
−HK$6,521/mo
▼ 0.25% · 3.875%
HK$107,226
−HK$3,286/mo
Today · 4.125%
HK$110,512
baseline
▲ 0.50% · 4.625%
HK$117,237
+HK$6,725/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$221,024/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,689
−HK$6,250/mo
▼ 0.25% · 3.875%
HK$118,792
−HK$3,147/mo
Today · 4.125%
HK$121,939
baseline
▲ 0.50% · 4.625%
HK$128,367
+HK$6,428/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,878/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,703
−HK$8,384/mo
▼ 0.25% · 3.875%
HK$137,862
−HK$4,225/mo
Today · 4.125%
HK$142,087
baseline
▲ 0.50% · 4.625%
HK$150,733
+HK$8,646/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$284,174/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,743
−HK$8,036/mo
▼ 0.25% · 3.875%
HK$152,732
−HK$4,047/mo
Today · 4.125%
HK$156,779
baseline
▲ 0.50% · 4.625%
HK$165,043
+HK$8,264/mo
Deposit HK$3.26M · loan HK$29.32M · min. income ≈ HK$313,558/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,439 · Scale 2, in force from 26 Feb 2026)