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$74,311
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,622
−HK$2,349/mo
Today · 4.125%
HK$78,971
baseline
▲ 0.50% · 4.625%
HK$83,776
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,942/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,670
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,887
−HK$2,249/mo
Today · 4.125%
HK$87,136
baseline
▲ 0.50% · 4.625%
HK$91,730
+HK$4,594/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,272/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,173
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,947
−HK$2,818/mo
Today · 4.125%
HK$94,765
baseline
▲ 0.50% · 4.625%
HK$100,531
+HK$5,766/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$189,530/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,204
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,865
−HK$2,699/mo
Today · 4.125%
HK$104,564
baseline
▲ 0.50% · 4.625%
HK$110,075
+HK$5,511/mo
Deposit HK$13.04M · loan HK$19.55M · min. income ≈ HK$209,128/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,035
−HK$6,524/mo
▼ 0.25% · 3.875%
HK$107,271
−HK$3,288/mo
Today · 4.125%
HK$110,559
baseline
▲ 0.50% · 4.625%
HK$117,286
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,118/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,738
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,842
−HK$3,149/mo
Today · 4.125%
HK$121,991
baseline
▲ 0.50% · 4.625%
HK$128,421
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,982/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,759
−HK$8,388/mo
▼ 0.25% · 3.875%
HK$137,920
−HK$4,227/mo
Today · 4.125%
HK$142,147
baseline
▲ 0.50% · 4.625%
HK$150,797
+HK$8,650/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,294/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,806
−HK$8,040/mo
▼ 0.25% · 3.875%
HK$152,797
−HK$4,049/mo
Today · 4.125%
HK$156,846
baseline
▲ 0.50% · 4.625%
HK$165,113
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,692/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,385,024 · Scale 2, in force from 26 Feb 2026)