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$74,158
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,344/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$83,603
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,500
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,245/mo
Today · 4.125%
HK$86,957
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,914/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,989
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,757
−HK$2,812/mo
Today · 4.125%
HK$94,569
baseline
▲ 0.50% · 4.625%
HK$100,324
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,138/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,999
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,655
−HK$2,693/mo
Today · 4.125%
HK$104,348
baseline
▲ 0.50% · 4.625%
HK$109,848
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,696/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,821
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,050
−HK$3,281/mo
Today · 4.125%
HK$110,331
baseline
▲ 0.50% · 4.625%
HK$117,044
+HK$6,713/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,662/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,499
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,597
−HK$3,142/mo
Today · 4.125%
HK$121,739
baseline
▲ 0.50% · 4.625%
HK$128,157
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,478/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,484
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,636
−HK$4,218/mo
Today · 4.125%
HK$141,854
baseline
▲ 0.50% · 4.625%
HK$150,486
+HK$8,632/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,708/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,499
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,482
−HK$4,040/mo
Today · 4.125%
HK$156,522
baseline
▲ 0.50% · 4.625%
HK$164,773
+HK$8,251/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,044/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,168 · Scale 2, in force from 26 Feb 2026)