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$73,969
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,270
−HK$2,337/mo
Today · 4.125%
HK$78,607
baseline
▲ 0.50% · 4.625%
HK$83,390
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,214/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,289
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,496
−HK$2,239/mo
Today · 4.125%
HK$86,735
baseline
▲ 0.50% · 4.625%
HK$91,307
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,470/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,762
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,523
−HK$2,806/mo
Today · 4.125%
HK$94,329
baseline
▲ 0.50% · 4.625%
HK$100,068
+HK$5,739/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$188,658/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,747
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,396
−HK$2,686/mo
Today · 4.125%
HK$104,082
baseline
▲ 0.50% · 4.625%
HK$109,569
+HK$5,487/mo
Deposit HK$12.98M · loan HK$19.46M · min. income ≈ HK$208,164/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,556
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,777
−HK$3,273/mo
Today · 4.125%
HK$110,050
baseline
▲ 0.50% · 4.625%
HK$116,746
+HK$6,696/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$220,100/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,205
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,295
−HK$3,134/mo
Today · 4.125%
HK$121,429
baseline
▲ 0.50% · 4.625%
HK$127,830
+HK$6,401/mo
Deposit HK$9.73M · loan HK$22.71M · min. income ≈ HK$242,858/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,144
−HK$8,349/mo
▼ 0.25% · 3.875%
HK$137,285
−HK$4,208/mo
Today · 4.125%
HK$141,493
baseline
▲ 0.50% · 4.625%
HK$150,102
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,986/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,121
−HK$8,003/mo
▼ 0.25% · 3.875%
HK$152,094
−HK$4,030/mo
Today · 4.125%
HK$156,124
baseline
▲ 0.50% · 4.625%
HK$164,353
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,248/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,648 · Scale 2, in force from 26 Feb 2026)