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$73,986
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,287
−HK$2,338/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,410
+HK$4,785/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,309
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,516
−HK$2,239/mo
Today · 4.125%
HK$86,755
baseline
▲ 0.50% · 4.625%
HK$91,328
+HK$4,573/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,510/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,783
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,545
−HK$2,805/mo
Today · 4.125%
HK$94,350
baseline
▲ 0.50% · 4.625%
HK$100,091
+HK$5,741/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,700/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,770
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,419
−HK$2,687/mo
Today · 4.125%
HK$104,106
baseline
▲ 0.50% · 4.625%
HK$109,594
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,212/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,580
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,802
−HK$3,274/mo
Today · 4.125%
HK$110,076
baseline
▲ 0.50% · 4.625%
HK$116,773
+HK$6,697/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,152/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,232
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,322
−HK$3,136/mo
Today · 4.125%
HK$121,458
baseline
▲ 0.50% · 4.625%
HK$127,860
+HK$6,402/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,916/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,175
−HK$8,351/mo
▼ 0.25% · 3.875%
HK$137,317
−HK$4,209/mo
Today · 4.125%
HK$141,526
baseline
▲ 0.50% · 4.625%
HK$150,137
+HK$8,611/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$283,052/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,155
−HK$8,005/mo
▼ 0.25% · 3.875%
HK$152,129
−HK$4,031/mo
Today · 4.125%
HK$156,160
baseline
▲ 0.50% · 4.625%
HK$164,391
+HK$8,231/mo
Deposit HK$3.24M · loan HK$29.20M · min. income ≈ HK$312,320/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,967 · Scale 2, in force from 26 Feb 2026)