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$74,481
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,797
−HK$2,354/mo
Today · 4.125%
HK$79,151
baseline
▲ 0.50% · 4.625%
HK$83,967
+HK$4,816/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$158,302/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,859
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,081
−HK$2,255/mo
Today · 4.125%
HK$87,336
baseline
▲ 0.50% · 4.625%
HK$91,939
+HK$4,603/mo
Deposit HK$16.33M · loan HK$16.33M · min. income ≈ HK$174,672/mo (50% DSR)
Upfront cash ≈ HK$17.72M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,377
−HK$5,605/mo
▼ 0.25% · 3.875%
HK$92,157
−HK$2,825/mo
Today · 4.125%
HK$94,982
baseline
▲ 0.50% · 4.625%
HK$100,761
+HK$5,779/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$189,964/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,431
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$102,097
−HK$2,706/mo
Today · 4.125%
HK$104,803
baseline
▲ 0.50% · 4.625%
HK$110,327
+HK$5,524/mo
Deposit HK$13.07M · loan HK$19.60M · min. income ≈ HK$209,606/mo (50% DSR)
Upfront cash ≈ HK$14.45M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,273
−HK$6,539/mo
▼ 0.25% · 3.875%
HK$107,516
−HK$3,296/mo
Today · 4.125%
HK$110,812
baseline
▲ 0.50% · 4.625%
HK$117,554
+HK$6,742/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$221,624/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,003
−HK$6,267/mo
▼ 0.25% · 3.875%
HK$119,114
−HK$3,156/mo
Today · 4.125%
HK$122,270
baseline
▲ 0.50% · 4.625%
HK$128,715
+HK$6,445/mo
Deposit HK$9.80M · loan HK$22.86M · min. income ≈ HK$244,540/mo (50% DSR)
Upfront cash ≈ HK$11.19M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,065
−HK$8,407/mo
▼ 0.25% · 3.875%
HK$138,235
−HK$4,237/mo
Today · 4.125%
HK$142,472
baseline
▲ 0.50% · 4.625%
HK$151,141
+HK$8,669/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$284,944/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,146
−HK$8,058/mo
▼ 0.25% · 3.875%
HK$153,146
−HK$4,058/mo
Today · 4.125%
HK$157,204
baseline
▲ 0.50% · 4.625%
HK$165,491
+HK$8,287/mo
Deposit HK$3.27M · loan HK$29.40M · min. income ≈ HK$314,408/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,388,190 · Scale 2, in force from 26 Feb 2026)