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$73,968
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,337/mo
Today · 4.125%
HK$78,606
baseline
▲ 0.50% · 4.625%
HK$83,389
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,212/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,288
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,495
−HK$2,239/mo
Today · 4.125%
HK$86,734
baseline
▲ 0.50% · 4.625%
HK$91,306
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,468/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,761
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,805/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$100,067
+HK$5,740/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,746
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,394
−HK$2,687/mo
Today · 4.125%
HK$104,081
baseline
▲ 0.50% · 4.625%
HK$109,567
+HK$5,486/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,162/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,555
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,776
−HK$3,273/mo
Today · 4.125%
HK$110,049
baseline
▲ 0.50% · 4.625%
HK$116,745
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,098/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,204
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,293
−HK$3,135/mo
Today · 4.125%
HK$121,428
baseline
▲ 0.50% · 4.625%
HK$127,829
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,856/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,142
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,283
−HK$4,208/mo
Today · 4.125%
HK$141,491
baseline
▲ 0.50% · 4.625%
HK$150,101
+HK$8,610/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,982/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,119
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,092
−HK$4,030/mo
Today · 4.125%
HK$156,122
baseline
▲ 0.50% · 4.625%
HK$164,351
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,244/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,631 · Scale 2, in force from 26 Feb 2026)