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$74,000
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,302
−HK$2,339/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$83,426
+HK$4,785/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,325
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,532
−HK$2,240/mo
Today · 4.125%
HK$86,772
baseline
▲ 0.50% · 4.625%
HK$91,346
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,544/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,800
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,562
−HK$2,807/mo
Today · 4.125%
HK$94,369
baseline
▲ 0.50% · 4.625%
HK$100,111
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,738/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,789
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,439
−HK$2,688/mo
Today · 4.125%
HK$104,127
baseline
▲ 0.50% · 4.625%
HK$109,615
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,254/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,600
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,823
−HK$3,274/mo
Today · 4.125%
HK$110,097
baseline
▲ 0.50% · 4.625%
HK$116,796
+HK$6,699/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,194/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,254
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,345
−HK$3,136/mo
Today · 4.125%
HK$121,481
baseline
▲ 0.50% · 4.625%
HK$127,885
+HK$6,404/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,962/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,200
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$137,344
−HK$4,209/mo
Today · 4.125%
HK$141,553
baseline
▲ 0.50% · 4.625%
HK$150,166
+HK$8,613/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,106/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,184
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,158
−HK$4,032/mo
Today · 4.125%
HK$156,190
baseline
▲ 0.50% · 4.625%
HK$164,423
+HK$8,233/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,380/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,236 · Scale 2, in force from 26 Feb 2026)