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$74,168
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,475
−HK$2,344/mo
Today · 4.125%
HK$78,819
baseline
▲ 0.50% · 4.625%
HK$83,615
+HK$4,796/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,638/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,512
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,725
−HK$2,244/mo
Today · 4.125%
HK$86,969
baseline
▲ 0.50% · 4.625%
HK$91,554
+HK$4,585/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,938/mo (50% DSR)
Upfront cash ≈ HK$17.65M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,002
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,771
−HK$2,812/mo
Today · 4.125%
HK$94,583
baseline
▲ 0.50% · 4.625%
HK$100,338
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$189,166/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,014
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,669
−HK$2,694/mo
Today · 4.125%
HK$104,363
baseline
▲ 0.50% · 4.625%
HK$109,864
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.52M · min. income ≈ HK$208,726/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,836
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,066
−HK$3,281/mo
Today · 4.125%
HK$110,347
baseline
▲ 0.50% · 4.625%
HK$117,062
+HK$6,715/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,694/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,516
−HK$6,241/mo
▼ 0.25% · 3.875%
HK$118,614
−HK$3,143/mo
Today · 4.125%
HK$121,757
baseline
▲ 0.50% · 4.625%
HK$128,175
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,514/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,503
−HK$8,372/mo
▼ 0.25% · 3.875%
HK$137,656
−HK$4,219/mo
Today · 4.125%
HK$141,875
baseline
▲ 0.50% · 4.625%
HK$150,508
+HK$8,633/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,750/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,521
−HK$8,024/mo
▼ 0.25% · 3.875%
HK$152,504
−HK$4,041/mo
Today · 4.125%
HK$156,545
baseline
▲ 0.50% · 4.625%
HK$164,797
+HK$8,252/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,090/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,382,370 · Scale 2, in force from 26 Feb 2026)