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$74,165
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,472
−HK$2,344/mo
Today · 4.125%
HK$78,816
baseline
▲ 0.50% · 4.625%
HK$83,611
+HK$4,795/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$157,632/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,508
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,720
−HK$2,245/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$91,549
+HK$4,584/mo
Deposit HK$16.26M · loan HK$16.26M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$17.64M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,998
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,766
−HK$2,813/mo
Today · 4.125%
HK$94,579
baseline
▲ 0.50% · 4.625%
HK$100,334
+HK$5,755/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$189,158/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,009
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,665
−HK$2,693/mo
Today · 4.125%
HK$104,358
baseline
▲ 0.50% · 4.625%
HK$109,859
+HK$5,501/mo
Deposit HK$13.01M · loan HK$19.51M · min. income ≈ HK$208,716/mo (50% DSR)
Upfront cash ≈ HK$14.39M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,831
−HK$6,511/mo
▼ 0.25% · 3.875%
HK$107,060
−HK$3,282/mo
Today · 4.125%
HK$110,342
baseline
▲ 0.50% · 4.625%
HK$117,056
+HK$6,714/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$220,684/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,511
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$118,609
−HK$3,142/mo
Today · 4.125%
HK$121,751
baseline
▲ 0.50% · 4.625%
HK$128,169
+HK$6,418/mo
Deposit HK$9.76M · loan HK$22.77M · min. income ≈ HK$243,502/mo (50% DSR)
Upfront cash ≈ HK$11.14M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,497
−HK$8,371/mo
▼ 0.25% · 3.875%
HK$137,649
−HK$4,219/mo
Today · 4.125%
HK$141,868
baseline
▲ 0.50% · 4.625%
HK$150,500
+HK$8,632/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$283,736/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,514
−HK$8,023/mo
▼ 0.25% · 3.875%
HK$152,497
−HK$4,040/mo
Today · 4.125%
HK$156,537
baseline
▲ 0.50% · 4.625%
HK$164,789
+HK$8,252/mo
Deposit HK$3.25M · loan HK$29.27M · min. income ≈ HK$313,074/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,382,303 · Scale 2, in force from 26 Feb 2026)