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$74,236
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,346/mo
Today · 4.125%
HK$78,892
baseline
▲ 0.50% · 4.625%
HK$83,692
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,784/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,587
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,802
−HK$2,247/mo
Today · 4.125%
HK$87,049
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,098/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,084
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,855
−HK$2,815/mo
Today · 4.125%
HK$94,670
baseline
▲ 0.50% · 4.625%
HK$100,430
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,340/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,105
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,763
−HK$2,696/mo
Today · 4.125%
HK$104,459
baseline
▲ 0.50% · 4.625%
HK$109,965
+HK$5,506/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,918/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,931
−HK$6,517/mo
▼ 0.25% · 3.875%
HK$107,164
−HK$3,284/mo
Today · 4.125%
HK$110,448
baseline
▲ 0.50% · 4.625%
HK$117,169
+HK$6,721/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,896/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,622
−HK$6,247/mo
▼ 0.25% · 3.875%
HK$118,723
−HK$3,146/mo
Today · 4.125%
HK$121,869
baseline
▲ 0.50% · 4.625%
HK$128,293
+HK$6,424/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,738/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,625
−HK$8,380/mo
▼ 0.25% · 3.875%
HK$137,782
−HK$4,223/mo
Today · 4.125%
HK$142,005
baseline
▲ 0.50% · 4.625%
HK$150,646
+HK$8,641/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$284,010/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,657
−HK$8,031/mo
▼ 0.25% · 3.875%
HK$152,644
−HK$4,044/mo
Today · 4.125%
HK$156,688
baseline
▲ 0.50% · 4.625%
HK$164,948
+HK$8,260/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,376/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,637 · Scale 2, in force from 26 Feb 2026)