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$74,060
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,364
−HK$2,340/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,789/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,391
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,601
−HK$2,242/mo
Today · 4.125%
HK$86,843
baseline
▲ 0.50% · 4.625%
HK$91,420
+HK$4,577/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,686/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,872
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,637
−HK$2,808/mo
Today · 4.125%
HK$94,445
baseline
▲ 0.50% · 4.625%
HK$100,192
+HK$5,747/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,890/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,870
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,521
−HK$2,690/mo
Today · 4.125%
HK$104,211
baseline
▲ 0.50% · 4.625%
HK$109,704
+HK$5,493/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,422/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,684
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,910
−HK$3,276/mo
Today · 4.125%
HK$110,186
baseline
▲ 0.50% · 4.625%
HK$116,891
+HK$6,705/mo
Deposit HK$9.74M · loan HK$22.74M · min. income ≈ HK$220,372/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,348
−HK$6,232/mo
▼ 0.25% · 3.875%
HK$118,441
−HK$3,139/mo
Today · 4.125%
HK$121,580
baseline
▲ 0.50% · 4.625%
HK$127,988
+HK$6,408/mo
Deposit HK$9.74M · loan HK$22.74M · min. income ≈ HK$243,160/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,308
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$137,455
−HK$4,213/mo
Today · 4.125%
HK$141,668
baseline
▲ 0.50% · 4.625%
HK$150,288
+HK$8,620/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$283,336/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,304
−HK$8,013/mo
▼ 0.25% · 3.875%
HK$152,282
−HK$4,035/mo
Today · 4.125%
HK$156,317
baseline
▲ 0.50% · 4.625%
HK$164,556
+HK$8,239/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$312,634/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,354 · Scale 2, in force from 26 Feb 2026)