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$74,073
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,377
−HK$2,341/mo
Today · 4.125%
HK$78,718
baseline
▲ 0.50% · 4.625%
HK$83,508
+HK$4,790/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,436/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,405
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,615
−HK$2,242/mo
Today · 4.125%
HK$86,857
baseline
▲ 0.50% · 4.625%
HK$91,436
+HK$4,579/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,714/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,887
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,652
−HK$2,809/mo
Today · 4.125%
HK$94,461
baseline
▲ 0.50% · 4.625%
HK$100,209
+HK$5,748/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,922/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,886
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,538
−HK$2,691/mo
Today · 4.125%
HK$104,229
baseline
▲ 0.50% · 4.625%
HK$109,723
+HK$5,494/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,458/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,702
−HK$6,503/mo
▼ 0.25% · 3.875%
HK$106,928
−HK$3,277/mo
Today · 4.125%
HK$110,205
baseline
▲ 0.50% · 4.625%
HK$116,911
+HK$6,706/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$220,410/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,367
−HK$6,233/mo
▼ 0.25% · 3.875%
HK$118,461
−HK$3,139/mo
Today · 4.125%
HK$121,600
baseline
▲ 0.50% · 4.625%
HK$128,010
+HK$6,410/mo
Deposit HK$9.75M · loan HK$22.74M · min. income ≈ HK$243,200/mo (50% DSR)
Upfront cash ≈ HK$11.13M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,331
−HK$8,361/mo
▼ 0.25% · 3.875%
HK$137,478
−HK$4,214/mo
Today · 4.125%
HK$141,692
baseline
▲ 0.50% · 4.625%
HK$150,314
+HK$8,622/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$283,384/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,329
−HK$8,014/mo
▼ 0.25% · 3.875%
HK$152,307
−HK$4,036/mo
Today · 4.125%
HK$156,343
baseline
▲ 0.50% · 4.625%
HK$164,584
+HK$8,241/mo
Deposit HK$3.25M · loan HK$29.24M · min. income ≈ HK$312,686/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,586 · Scale 2, in force from 26 Feb 2026)