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$74,015
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,317
−HK$2,339/mo
Today · 4.125%
HK$78,656
baseline
▲ 0.50% · 4.625%
HK$83,443
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,312/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,341
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,549
−HK$2,241/mo
Today · 4.125%
HK$86,790
baseline
▲ 0.50% · 4.625%
HK$91,364
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,580/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,818
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,581
−HK$2,807/mo
Today · 4.125%
HK$94,388
baseline
▲ 0.50% · 4.625%
HK$100,131
+HK$5,743/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,776/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,809
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,459
−HK$2,689/mo
Today · 4.125%
HK$104,148
baseline
▲ 0.50% · 4.625%
HK$109,637
+HK$5,489/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,296/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,621
−HK$6,498/mo
▼ 0.25% · 3.875%
HK$106,844
−HK$3,275/mo
Today · 4.125%
HK$110,119
baseline
▲ 0.50% · 4.625%
HK$116,820
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,238/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,277
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,369
−HK$3,137/mo
Today · 4.125%
HK$121,506
baseline
▲ 0.50% · 4.625%
HK$127,910
+HK$6,404/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,012/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,227
−HK$8,355/mo
▼ 0.25% · 3.875%
HK$137,371
−HK$4,211/mo
Today · 4.125%
HK$141,582
baseline
▲ 0.50% · 4.625%
HK$150,197
+HK$8,615/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,164/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,214
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$152,189
−HK$4,032/mo
Today · 4.125%
HK$156,221
baseline
▲ 0.50% · 4.625%
HK$164,456
+HK$8,235/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,442/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,512 · Scale 2, in force from 26 Feb 2026)