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$74,017
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,320
−HK$2,339/mo
Today · 4.125%
HK$78,659
baseline
▲ 0.50% · 4.625%
HK$83,445
+HK$4,786/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,318/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,343
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,552
−HK$2,240/mo
Today · 4.125%
HK$86,792
baseline
▲ 0.50% · 4.625%
HK$91,367
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,584/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,821
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,584
−HK$2,807/mo
Today · 4.125%
HK$94,391
baseline
▲ 0.50% · 4.625%
HK$100,134
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,782/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,812
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,462
−HK$2,689/mo
Today · 4.125%
HK$104,151
baseline
▲ 0.50% · 4.625%
HK$109,641
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,302/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,624
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,848
−HK$3,274/mo
Today · 4.125%
HK$110,122
baseline
▲ 0.50% · 4.625%
HK$116,823
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,244/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,281
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,373
−HK$3,136/mo
Today · 4.125%
HK$121,509
baseline
▲ 0.50% · 4.625%
HK$127,914
+HK$6,405/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,018/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,231
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,375
−HK$4,211/mo
Today · 4.125%
HK$141,586
baseline
▲ 0.50% · 4.625%
HK$150,201
+HK$8,615/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,172/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,218
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,193
−HK$4,033/mo
Today · 4.125%
HK$156,226
baseline
▲ 0.50% · 4.625%
HK$164,461
+HK$8,235/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,452/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,553 · Scale 2, in force from 26 Feb 2026)