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$73,960
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,261
−HK$2,337/mo
Today · 4.125%
HK$78,598
baseline
▲ 0.50% · 4.625%
HK$83,381
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,196/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,280
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,487
−HK$2,238/mo
Today · 4.125%
HK$86,725
baseline
▲ 0.50% · 4.625%
HK$91,297
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,450/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,752
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,513
−HK$2,805/mo
Today · 4.125%
HK$94,318
baseline
▲ 0.50% · 4.625%
HK$100,057
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,636/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,736
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,384
−HK$2,686/mo
Today · 4.125%
HK$104,070
baseline
▲ 0.50% · 4.625%
HK$109,556
+HK$5,486/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,140/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,544
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,765
−HK$3,273/mo
Today · 4.125%
HK$110,038
baseline
▲ 0.50% · 4.625%
HK$116,733
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,076/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,192
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,281
−HK$3,135/mo
Today · 4.125%
HK$121,416
baseline
▲ 0.50% · 4.625%
HK$127,816
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,832/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,129
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,270
−HK$4,207/mo
Today · 4.125%
HK$141,477
baseline
▲ 0.50% · 4.625%
HK$150,085
+HK$8,608/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,954/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,104
−HK$8,002/mo
▼ 0.25% · 3.875%
HK$152,076
−HK$4,030/mo
Today · 4.125%
HK$156,106
baseline
▲ 0.50% · 4.625%
HK$164,334
+HK$8,228/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,212/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,491 · Scale 2, in force from 26 Feb 2026)