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$73,999
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,301
−HK$2,338/mo
Today · 4.125%
HK$78,639
baseline
▲ 0.50% · 4.625%
HK$83,424
+HK$4,785/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,278/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,323
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,531
−HK$2,240/mo
Today · 4.125%
HK$86,771
baseline
▲ 0.50% · 4.625%
HK$91,345
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,542/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,799
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,561
−HK$2,806/mo
Today · 4.125%
HK$94,367
baseline
▲ 0.50% · 4.625%
HK$100,109
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,734/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,788
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,437
−HK$2,688/mo
Today · 4.125%
HK$104,125
baseline
▲ 0.50% · 4.625%
HK$109,614
+HK$5,489/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,250/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,599
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,821
−HK$3,274/mo
Today · 4.125%
HK$110,095
baseline
▲ 0.50% · 4.625%
HK$116,794
+HK$6,699/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,190/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,252
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,343
−HK$3,136/mo
Today · 4.125%
HK$121,479
baseline
▲ 0.50% · 4.625%
HK$127,883
+HK$6,404/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,958/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,198
−HK$8,353/mo
▼ 0.25% · 3.875%
HK$137,341
−HK$4,210/mo
Today · 4.125%
HK$141,551
baseline
▲ 0.50% · 4.625%
HK$150,164
+HK$8,613/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,102/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,182
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,156
−HK$4,032/mo
Today · 4.125%
HK$156,188
baseline
▲ 0.50% · 4.625%
HK$164,420
+HK$8,232/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,376/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,213 · Scale 2, in force from 26 Feb 2026)