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$74,365
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,350/mo
Today · 4.125%
HK$79,029
baseline
▲ 0.50% · 4.625%
HK$83,838
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,058/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,731
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,950
−HK$2,251/mo
Today · 4.125%
HK$87,201
baseline
▲ 0.50% · 4.625%
HK$91,797
+HK$4,596/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,402/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,239
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,014
−HK$2,821/mo
Today · 4.125%
HK$94,835
baseline
▲ 0.50% · 4.625%
HK$100,605
+HK$5,770/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,670/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,277
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,940
−HK$2,701/mo
Today · 4.125%
HK$104,641
baseline
▲ 0.50% · 4.625%
HK$110,156
+HK$5,515/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,282/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,112
−HK$6,528/mo
▼ 0.25% · 3.875%
HK$107,350
−HK$3,290/mo
Today · 4.125%
HK$110,640
baseline
▲ 0.50% · 4.625%
HK$117,373
+HK$6,733/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$221,280/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,823
−HK$6,258/mo
▼ 0.25% · 3.875%
HK$118,929
−HK$3,152/mo
Today · 4.125%
HK$122,081
baseline
▲ 0.50% · 4.625%
HK$128,516
+HK$6,435/mo
Deposit HK$9.78M · loan HK$22.83M · min. income ≈ HK$244,162/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,858
−HK$8,394/mo
▼ 0.25% · 3.875%
HK$138,022
−HK$4,230/mo
Today · 4.125%
HK$142,252
baseline
▲ 0.50% · 4.625%
HK$150,908
+HK$8,656/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$284,504/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,915
−HK$8,046/mo
▼ 0.25% · 3.875%
HK$152,909
−HK$4,052/mo
Today · 4.125%
HK$156,961
baseline
▲ 0.50% · 4.625%
HK$165,235
+HK$8,274/mo
Deposit HK$3.26M · loan HK$29.35M · min. income ≈ HK$313,922/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,043 · Scale 2, in force from 26 Feb 2026)