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$74,263
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,573
−HK$2,347/mo
Today · 4.125%
HK$78,920
baseline
▲ 0.50% · 4.625%
HK$83,722
+HK$4,802/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,840/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,617
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,833
−HK$2,248/mo
Today · 4.125%
HK$87,081
baseline
▲ 0.50% · 4.625%
HK$91,671
+HK$4,590/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,162/mo (50% DSR)
Upfront cash ≈ HK$17.67M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,116
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,888
−HK$2,816/mo
Today · 4.125%
HK$94,704
baseline
▲ 0.50% · 4.625%
HK$100,467
+HK$5,763/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$189,408/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,141
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,799
−HK$2,698/mo
Today · 4.125%
HK$104,497
baseline
▲ 0.50% · 4.625%
HK$110,005
+HK$5,508/mo
Deposit HK$13.03M · loan HK$19.54M · min. income ≈ HK$208,994/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,969
−HK$6,519/mo
▼ 0.25% · 3.875%
HK$107,203
−HK$3,285/mo
Today · 4.125%
HK$110,488
baseline
▲ 0.50% · 4.625%
HK$117,211
+HK$6,723/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$220,976/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,664
−HK$6,249/mo
▼ 0.25% · 3.875%
HK$118,766
−HK$3,147/mo
Today · 4.125%
HK$121,913
baseline
▲ 0.50% · 4.625%
HK$128,339
+HK$6,426/mo
Deposit HK$9.77M · loan HK$22.80M · min. income ≈ HK$243,826/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,674
−HK$8,382/mo
▼ 0.25% · 3.875%
HK$137,832
−HK$4,224/mo
Today · 4.125%
HK$142,056
baseline
▲ 0.50% · 4.625%
HK$150,700
+HK$8,644/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,112/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,711
−HK$8,034/mo
▼ 0.25% · 3.875%
HK$152,699
−HK$4,046/mo
Today · 4.125%
HK$156,745
baseline
▲ 0.50% · 4.625%
HK$165,008
+HK$8,263/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,490/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,138 · Scale 2, in force from 26 Feb 2026)