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$73,910
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,209
−HK$2,336/mo
Today · 4.125%
HK$78,545
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,090/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,224
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,429
−HK$2,238/mo
Today · 4.125%
HK$86,667
baseline
▲ 0.50% · 4.625%
HK$91,235
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,334/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,692
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,451
−HK$2,803/mo
Today · 4.125%
HK$94,254
baseline
▲ 0.50% · 4.625%
HK$99,989
+HK$5,735/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,508/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,669
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,315
−HK$2,685/mo
Today · 4.125%
HK$104,000
baseline
▲ 0.50% · 4.625%
HK$109,482
+HK$5,482/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,000/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,474
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,693
−HK$3,270/mo
Today · 4.125%
HK$109,963
baseline
▲ 0.50% · 4.625%
HK$116,654
+HK$6,691/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,926/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,114
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,201
−HK$3,132/mo
Today · 4.125%
HK$121,333
baseline
▲ 0.50% · 4.625%
HK$127,729
+HK$6,396/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,666/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,038
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,176
−HK$4,205/mo
Today · 4.125%
HK$141,381
baseline
▲ 0.50% · 4.625%
HK$149,984
+HK$8,603/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,762/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,004
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,973
−HK$4,027/mo
Today · 4.125%
HK$156,000
baseline
▲ 0.50% · 4.625%
HK$164,223
+HK$8,223/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$312,000/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,556 · Scale 2, in force from 26 Feb 2026)