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$74,392
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,706
−HK$2,351/mo
Today · 4.125%
HK$79,057
baseline
▲ 0.50% · 4.625%
HK$83,867
+HK$4,810/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,114/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,760
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,979
−HK$2,252/mo
Today · 4.125%
HK$87,231
baseline
▲ 0.50% · 4.625%
HK$91,829
+HK$4,598/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,462/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,270
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,047
−HK$2,821/mo
Today · 4.125%
HK$94,868
baseline
▲ 0.50% · 4.625%
HK$100,640
+HK$5,772/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,736/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,312
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,975
−HK$2,702/mo
Today · 4.125%
HK$104,677
baseline
▲ 0.50% · 4.625%
HK$110,195
+HK$5,518/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,354/mo (50% DSR)
Upfront cash ≈ HK$14.44M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,148
−HK$6,531/mo
▼ 0.25% · 3.875%
HK$107,388
−HK$3,291/mo
Today · 4.125%
HK$110,679
baseline
▲ 0.50% · 4.625%
HK$117,414
+HK$6,735/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$221,358/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,864
−HK$6,260/mo
▼ 0.25% · 3.875%
HK$118,971
−HK$3,153/mo
Today · 4.125%
HK$122,124
baseline
▲ 0.50% · 4.625%
HK$128,561
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.84M · min. income ≈ HK$244,248/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,905
−HK$8,397/mo
▼ 0.25% · 3.875%
HK$138,070
−HK$4,232/mo
Today · 4.125%
HK$142,302
baseline
▲ 0.50% · 4.625%
HK$150,960
+HK$8,658/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,604/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,968
−HK$8,048/mo
▼ 0.25% · 3.875%
HK$152,963
−HK$4,053/mo
Today · 4.125%
HK$157,016
baseline
▲ 0.50% · 4.625%
HK$165,292
+HK$8,276/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$314,032/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,529 · Scale 2, in force from 26 Feb 2026)