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$73,931
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,231
−HK$2,336/mo
Today · 4.125%
HK$78,567
baseline
▲ 0.50% · 4.625%
HK$83,348
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,134/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,453
−HK$2,238/mo
Today · 4.125%
HK$86,691
baseline
▲ 0.50% · 4.625%
HK$91,261
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,382/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,717
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,477
−HK$2,803/mo
Today · 4.125%
HK$94,280
baseline
▲ 0.50% · 4.625%
HK$100,017
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,560/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,697
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,344
−HK$2,685/mo
Today · 4.125%
HK$104,029
baseline
▲ 0.50% · 4.625%
HK$109,513
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,058/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,503
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,723
−HK$3,271/mo
Today · 4.125%
HK$109,994
baseline
▲ 0.50% · 4.625%
HK$116,687
+HK$6,693/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$219,988/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,146
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,235
−HK$3,132/mo
Today · 4.125%
HK$121,367
baseline
▲ 0.50% · 4.625%
HK$127,765
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,734/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,076
−HK$8,345/mo
▼ 0.25% · 3.875%
HK$137,215
−HK$4,206/mo
Today · 4.125%
HK$141,421
baseline
▲ 0.50% · 4.625%
HK$150,026
+HK$8,605/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,842/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,045
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,016
−HK$4,028/mo
Today · 4.125%
HK$156,044
baseline
▲ 0.50% · 4.625%
HK$164,269
+HK$8,225/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,088/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,944 · Scale 2, in force from 26 Feb 2026)