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$74,038
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,341
−HK$2,340/mo
Today · 4.125%
HK$78,681
baseline
▲ 0.50% · 4.625%
HK$83,469
+HK$4,788/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,362/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,367
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,576
−HK$2,241/mo
Today · 4.125%
HK$86,817
baseline
▲ 0.50% · 4.625%
HK$91,393
+HK$4,576/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,634/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,846
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,609
−HK$2,808/mo
Today · 4.125%
HK$94,417
baseline
▲ 0.50% · 4.625%
HK$100,162
+HK$5,745/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$188,834/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,840
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,491
−HK$2,689/mo
Today · 4.125%
HK$104,180
baseline
▲ 0.50% · 4.625%
HK$109,672
+HK$5,492/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$208,360/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,653
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,878
−HK$3,275/mo
Today · 4.125%
HK$110,153
baseline
▲ 0.50% · 4.625%
HK$116,856
+HK$6,703/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,306/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,313
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,406
−HK$3,137/mo
Today · 4.125%
HK$121,543
baseline
▲ 0.50% · 4.625%
HK$127,950
+HK$6,407/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,086/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,269
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$137,414
−HK$4,212/mo
Today · 4.125%
HK$141,626
baseline
▲ 0.50% · 4.625%
HK$150,243
+HK$8,617/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,252/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,260
−HK$8,010/mo
▼ 0.25% · 3.875%
HK$152,236
−HK$4,034/mo
Today · 4.125%
HK$156,270
baseline
▲ 0.50% · 4.625%
HK$164,507
+HK$8,237/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,540/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,943 · Scale 2, in force from 26 Feb 2026)