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$74,007
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,309
−HK$2,339/mo
Today · 4.125%
HK$78,648
baseline
▲ 0.50% · 4.625%
HK$83,433
+HK$4,785/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,296/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,332
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,540
−HK$2,240/mo
Today · 4.125%
HK$86,780
baseline
▲ 0.50% · 4.625%
HK$91,354
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,560/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,808
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,571
−HK$2,806/mo
Today · 4.125%
HK$94,377
baseline
▲ 0.50% · 4.625%
HK$100,120
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,754/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,798
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,448
−HK$2,688/mo
Today · 4.125%
HK$104,136
baseline
▲ 0.50% · 4.625%
HK$109,625
+HK$5,489/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,272/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,610
−HK$6,497/mo
▼ 0.25% · 3.875%
HK$106,833
−HK$3,274/mo
Today · 4.125%
HK$110,107
baseline
▲ 0.50% · 4.625%
HK$116,807
+HK$6,700/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,214/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,265
−HK$6,227/mo
▼ 0.25% · 3.875%
HK$118,356
−HK$3,136/mo
Today · 4.125%
HK$121,492
baseline
▲ 0.50% · 4.625%
HK$127,896
+HK$6,404/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,984/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,212
−HK$8,354/mo
▼ 0.25% · 3.875%
HK$137,356
−HK$4,210/mo
Today · 4.125%
HK$141,566
baseline
▲ 0.50% · 4.625%
HK$150,180
+HK$8,614/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,132/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,198
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,172
−HK$4,032/mo
Today · 4.125%
HK$156,204
baseline
▲ 0.50% · 4.625%
HK$164,438
+HK$8,234/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,408/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,360 · Scale 2, in force from 26 Feb 2026)