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$74,343
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,656
−HK$2,349/mo
Today · 4.125%
HK$79,005
baseline
▲ 0.50% · 4.625%
HK$83,813
+HK$4,808/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$158,010/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,706
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,924
−HK$2,251/mo
Today · 4.125%
HK$87,175
baseline
▲ 0.50% · 4.625%
HK$91,770
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,350/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,212
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,987
−HK$2,819/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$100,575
+HK$5,769/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,248
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,909
−HK$2,701/mo
Today · 4.125%
HK$104,610
baseline
▲ 0.50% · 4.625%
HK$110,124
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,220/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,081
−HK$6,527/mo
▼ 0.25% · 3.875%
HK$107,318
−HK$3,290/mo
Today · 4.125%
HK$110,608
baseline
▲ 0.50% · 4.625%
HK$117,338
+HK$6,730/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,216/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,789
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,894
−HK$3,150/mo
Today · 4.125%
HK$122,044
baseline
▲ 0.50% · 4.625%
HK$128,478
+HK$6,434/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,088/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,818
−HK$8,392/mo
▼ 0.25% · 3.875%
HK$137,981
−HK$4,229/mo
Today · 4.125%
HK$142,210
baseline
▲ 0.50% · 4.625%
HK$150,863
+HK$8,653/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,420/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,871
−HK$8,043/mo
▼ 0.25% · 3.875%
HK$152,864
−HK$4,050/mo
Today · 4.125%
HK$156,914
baseline
▲ 0.50% · 4.625%
HK$165,185
+HK$8,271/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,828/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,631 · Scale 2, in force from 26 Feb 2026)