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$74,020
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,322
−HK$2,340/mo
Today · 4.125%
HK$78,662
baseline
▲ 0.50% · 4.625%
HK$83,448
+HK$4,786/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,324/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,346
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,555
−HK$2,240/mo
Today · 4.125%
HK$86,795
baseline
▲ 0.50% · 4.625%
HK$91,370
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,590/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,824
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,587
−HK$2,807/mo
Today · 4.125%
HK$94,394
baseline
▲ 0.50% · 4.625%
HK$100,137
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,788/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,816
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,466
−HK$2,688/mo
Today · 4.125%
HK$104,154
baseline
▲ 0.50% · 4.625%
HK$109,644
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,308/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,628
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,851
−HK$3,275/mo
Today · 4.125%
HK$110,126
baseline
▲ 0.50% · 4.625%
HK$116,827
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,252/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,285
−HK$6,228/mo
▼ 0.25% · 3.875%
HK$118,377
−HK$3,136/mo
Today · 4.125%
HK$121,513
baseline
▲ 0.50% · 4.625%
HK$127,918
+HK$6,405/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,026/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,236
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,380
−HK$4,211/mo
Today · 4.125%
HK$141,591
baseline
▲ 0.50% · 4.625%
HK$150,206
+HK$8,615/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,182/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,223
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,199
−HK$4,032/mo
Today · 4.125%
HK$156,231
baseline
▲ 0.50% · 4.625%
HK$164,467
+HK$8,236/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,462/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,601 · Scale 2, in force from 26 Feb 2026)