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$73,976
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,338/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$83,398
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,297
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,504
−HK$2,239/mo
Today · 4.125%
HK$86,743
baseline
▲ 0.50% · 4.625%
HK$91,316
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,486/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,771
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,532
−HK$2,805/mo
Today · 4.125%
HK$94,337
baseline
▲ 0.50% · 4.625%
HK$100,078
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,674/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,757
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,405
−HK$2,687/mo
Today · 4.125%
HK$104,092
baseline
▲ 0.50% · 4.625%
HK$109,579
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,184/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,566
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,787
−HK$3,273/mo
Today · 4.125%
HK$110,060
baseline
▲ 0.50% · 4.625%
HK$116,757
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,120/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,216
−HK$6,225/mo
▼ 0.25% · 3.875%
HK$118,306
−HK$3,135/mo
Today · 4.125%
HK$121,441
baseline
▲ 0.50% · 4.625%
HK$127,842
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,882/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,156
−HK$8,350/mo
▼ 0.25% · 3.875%
HK$137,298
−HK$4,208/mo
Today · 4.125%
HK$141,506
baseline
▲ 0.50% · 4.625%
HK$150,116
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,012/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,135
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,108
−HK$4,030/mo
Today · 4.125%
HK$156,138
baseline
▲ 0.50% · 4.625%
HK$164,368
+HK$8,230/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,276/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,777 · Scale 2, in force from 26 Feb 2026)