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$74,256
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,566
−HK$2,346/mo
Today · 4.125%
HK$78,912
baseline
▲ 0.50% · 4.625%
HK$83,714
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,824/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,609
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,824
−HK$2,248/mo
Today · 4.125%
HK$87,072
baseline
▲ 0.50% · 4.625%
HK$91,662
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,144/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,107
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,879
−HK$2,816/mo
Today · 4.125%
HK$94,695
baseline
▲ 0.50% · 4.625%
HK$100,457
+HK$5,762/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,390/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,131
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,789
−HK$2,697/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$109,994
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,958
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,192
−HK$3,285/mo
Today · 4.125%
HK$110,477
baseline
▲ 0.50% · 4.625%
HK$117,200
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,954/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,653
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,754
−HK$3,147/mo
Today · 4.125%
HK$121,901
baseline
▲ 0.50% · 4.625%
HK$128,326
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,802/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,661
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,818
−HK$4,224/mo
Today · 4.125%
HK$142,042
baseline
▲ 0.50% · 4.625%
HK$150,685
+HK$8,643/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,084/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,696
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,684
−HK$4,046/mo
Today · 4.125%
HK$156,730
baseline
▲ 0.50% · 4.625%
HK$164,991
+HK$8,261/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,460/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,001 · Scale 2, in force from 26 Feb 2026)