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$74,363
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,676
−HK$2,350/mo
Today · 4.125%
HK$79,026
baseline
▲ 0.50% · 4.625%
HK$83,835
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,052/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,728
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,947
−HK$2,251/mo
Today · 4.125%
HK$87,198
baseline
▲ 0.50% · 4.625%
HK$91,794
+HK$4,596/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,396/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,236
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,011
−HK$2,820/mo
Today · 4.125%
HK$94,831
baseline
▲ 0.50% · 4.625%
HK$100,602
+HK$5,771/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$189,662/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,274
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,936
−HK$2,701/mo
Today · 4.125%
HK$104,637
baseline
▲ 0.50% · 4.625%
HK$110,153
+HK$5,516/mo
Deposit HK$13.04M · loan HK$19.57M · min. income ≈ HK$209,274/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,108
−HK$6,529/mo
▼ 0.25% · 3.875%
HK$107,346
−HK$3,291/mo
Today · 4.125%
HK$110,637
baseline
▲ 0.50% · 4.625%
HK$117,369
+HK$6,732/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,274/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,819
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,925
−HK$3,152/mo
Today · 4.125%
HK$122,077
baseline
▲ 0.50% · 4.625%
HK$128,511
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,154/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,853
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$138,017
−HK$4,230/mo
Today · 4.125%
HK$142,247
baseline
▲ 0.50% · 4.625%
HK$150,903
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,494/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,910
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,904
−HK$4,052/mo
Today · 4.125%
HK$156,956
baseline
▲ 0.50% · 4.625%
HK$165,229
+HK$8,273/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,912/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,996 · Scale 2, in force from 26 Feb 2026)