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$73,924
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,337/mo
Today · 4.125%
HK$78,560
baseline
▲ 0.50% · 4.625%
HK$83,340
+HK$4,780/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,120/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,240
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,445
−HK$2,238/mo
Today · 4.125%
HK$86,683
baseline
▲ 0.50% · 4.625%
HK$91,252
+HK$4,569/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,366/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,709
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,468
−HK$2,803/mo
Today · 4.125%
HK$94,271
baseline
▲ 0.50% · 4.625%
HK$100,008
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,542/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,687
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,334
−HK$2,685/mo
Today · 4.125%
HK$104,019
baseline
▲ 0.50% · 4.625%
HK$109,502
+HK$5,483/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,038/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,493
−HK$6,490/mo
▼ 0.25% · 3.875%
HK$106,713
−HK$3,270/mo
Today · 4.125%
HK$109,983
baseline
▲ 0.50% · 4.625%
HK$116,676
+HK$6,693/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$219,966/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,135
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,223
−HK$3,133/mo
Today · 4.125%
HK$121,356
baseline
▲ 0.50% · 4.625%
HK$127,753
+HK$6,397/mo
Deposit HK$9.73M · loan HK$22.69M · min. income ≈ HK$242,712/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,063
−HK$8,344/mo
▼ 0.25% · 3.875%
HK$137,202
−HK$4,205/mo
Today · 4.125%
HK$141,407
baseline
▲ 0.50% · 4.625%
HK$150,011
+HK$8,604/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,814/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,031
−HK$7,998/mo
▼ 0.25% · 3.875%
HK$152,001
−HK$4,028/mo
Today · 4.125%
HK$156,029
baseline
▲ 0.50% · 4.625%
HK$164,253
+HK$8,224/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,058/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,812 · Scale 2, in force from 26 Feb 2026)