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$74,268
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,578
−HK$2,348/mo
Today · 4.125%
HK$78,926
baseline
▲ 0.50% · 4.625%
HK$83,728
+HK$4,802/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,852/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,623
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,839
−HK$2,248/mo
Today · 4.125%
HK$87,087
baseline
▲ 0.50% · 4.625%
HK$91,677
+HK$4,590/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,174/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,122
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,894
−HK$2,817/mo
Today · 4.125%
HK$94,711
baseline
▲ 0.50% · 4.625%
HK$100,474
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,422/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,147
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,806
−HK$2,698/mo
Today · 4.125%
HK$104,504
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$209,008/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,976
−HK$6,520/mo
▼ 0.25% · 3.875%
HK$107,210
−HK$3,286/mo
Today · 4.125%
HK$110,496
baseline
▲ 0.50% · 4.625%
HK$117,219
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,992/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,672
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,774
−HK$3,147/mo
Today · 4.125%
HK$121,921
baseline
▲ 0.50% · 4.625%
HK$128,348
+HK$6,427/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,842/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,683
−HK$8,383/mo
▼ 0.25% · 3.875%
HK$137,841
−HK$4,225/mo
Today · 4.125%
HK$142,066
baseline
▲ 0.50% · 4.625%
HK$150,710
+HK$8,644/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,132/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,721
−HK$8,035/mo
▼ 0.25% · 3.875%
HK$152,710
−HK$4,046/mo
Today · 4.125%
HK$156,756
baseline
▲ 0.50% · 4.625%
HK$165,019
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,512/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,232 · Scale 2, in force from 26 Feb 2026)