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$74,347
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,350/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,817
+HK$4,807/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,250/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$4,596/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,217
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$91,992
−HK$2,820/mo
Today · 4.125%
HK$94,812
baseline
▲ 0.50% · 4.625%
HK$100,581
+HK$5,769/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,624/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,253
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,915
−HK$2,700/mo
Today · 4.125%
HK$104,615
baseline
▲ 0.50% · 4.625%
HK$110,130
+HK$5,515/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,230/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,086
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,324
−HK$3,289/mo
Today · 4.125%
HK$110,613
baseline
▲ 0.50% · 4.625%
HK$117,344
+HK$6,731/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,226/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,795
−HK$6,256/mo
▼ 0.25% · 3.875%
HK$118,901
−HK$3,150/mo
Today · 4.125%
HK$122,051
baseline
▲ 0.50% · 4.625%
HK$128,485
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,102/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,825
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,988
−HK$4,229/mo
Today · 4.125%
HK$142,217
baseline
▲ 0.50% · 4.625%
HK$150,871
+HK$8,654/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,434/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,879
−HK$8,044/mo
▼ 0.25% · 3.875%
HK$152,872
−HK$4,051/mo
Today · 4.125%
HK$156,923
baseline
▲ 0.50% · 4.625%
HK$165,194
+HK$8,271/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,846/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,706 · Scale 2, in force from 26 Feb 2026)