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$74,154
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,461
−HK$2,344/mo
Today · 4.125%
HK$78,805
baseline
▲ 0.50% · 4.625%
HK$83,600
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,610/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,709
−HK$2,244/mo
Today · 4.125%
HK$86,953
baseline
▲ 0.50% · 4.625%
HK$91,536
+HK$4,583/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,906/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,985
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,753
−HK$2,812/mo
Today · 4.125%
HK$94,565
baseline
▲ 0.50% · 4.625%
HK$100,320
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,130/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,995
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,650
−HK$2,694/mo
Today · 4.125%
HK$104,344
baseline
▲ 0.50% · 4.625%
HK$109,844
+HK$5,500/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,688/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,816
−HK$6,510/mo
▼ 0.25% · 3.875%
HK$107,045
−HK$3,281/mo
Today · 4.125%
HK$110,326
baseline
▲ 0.50% · 4.625%
HK$117,039
+HK$6,713/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$220,652/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,494
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,592
−HK$3,142/mo
Today · 4.125%
HK$121,734
baseline
▲ 0.50% · 4.625%
HK$128,151
+HK$6,417/mo
Deposit HK$9.76M · loan HK$22.76M · min. income ≈ HK$243,468/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,478
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$137,630
−HK$4,218/mo
Today · 4.125%
HK$141,848
baseline
▲ 0.50% · 4.625%
HK$150,479
+HK$8,631/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,696/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,493
−HK$8,022/mo
▼ 0.25% · 3.875%
HK$152,475
−HK$4,040/mo
Today · 4.125%
HK$156,515
baseline
▲ 0.50% · 4.625%
HK$164,766
+HK$8,251/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,030/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,109 · Scale 2, in force from 26 Feb 2026)