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$74,060
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,341/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,789/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,390
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,242/mo
Today · 4.125%
HK$86,842
baseline
▲ 0.50% · 4.625%
HK$91,419
+HK$4,577/mo
Deposit HK$16.24M · loan HK$16.24M · min. income ≈ HK$173,684/mo (50% DSR)
Upfront cash ≈ HK$17.62M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,871
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,636
−HK$2,808/mo
Today · 4.125%
HK$94,444
baseline
▲ 0.50% · 4.625%
HK$100,191
+HK$5,747/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$188,888/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,869
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,520
−HK$2,690/mo
Today · 4.125%
HK$104,210
baseline
▲ 0.50% · 4.625%
HK$109,703
+HK$5,493/mo
Deposit HK$12.99M · loan HK$19.49M · min. income ≈ HK$208,420/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,683
−HK$6,502/mo
▼ 0.25% · 3.875%
HK$106,908
−HK$3,277/mo
Today · 4.125%
HK$110,185
baseline
▲ 0.50% · 4.625%
HK$116,890
+HK$6,705/mo
Deposit HK$9.74M · loan HK$22.74M · min. income ≈ HK$220,370/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,347
−HK$6,231/mo
▼ 0.25% · 3.875%
HK$118,440
−HK$3,138/mo
Today · 4.125%
HK$121,578
baseline
▲ 0.50% · 4.625%
HK$127,987
+HK$6,409/mo
Deposit HK$9.74M · loan HK$22.74M · min. income ≈ HK$243,156/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,307
−HK$8,360/mo
▼ 0.25% · 3.875%
HK$137,454
−HK$4,213/mo
Today · 4.125%
HK$141,667
baseline
▲ 0.50% · 4.625%
HK$150,287
+HK$8,620/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$283,334/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,303
−HK$8,012/mo
▼ 0.25% · 3.875%
HK$152,280
−HK$4,035/mo
Today · 4.125%
HK$156,315
baseline
▲ 0.50% · 4.625%
HK$164,555
+HK$8,240/mo
Deposit HK$3.25M · loan HK$29.23M · min. income ≈ HK$312,630/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,380,341 · Scale 2, in force from 26 Feb 2026)