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$73,938
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,238
−HK$2,336/mo
Today · 4.125%
HK$78,574
baseline
▲ 0.50% · 4.625%
HK$83,355
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,148/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,255
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,461
−HK$2,238/mo
Today · 4.125%
HK$86,699
baseline
▲ 0.50% · 4.625%
HK$91,269
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,398/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,725
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,485
−HK$2,804/mo
Today · 4.125%
HK$94,289
baseline
▲ 0.50% · 4.625%
HK$100,026
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,578/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,706
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,353
−HK$2,686/mo
Today · 4.125%
HK$104,039
baseline
▲ 0.50% · 4.625%
HK$109,523
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,078/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,513
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,733
−HK$3,271/mo
Today · 4.125%
HK$110,004
baseline
▲ 0.50% · 4.625%
HK$116,697
+HK$6,693/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,008/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,157
−HK$6,221/mo
▼ 0.25% · 3.875%
HK$118,245
−HK$3,133/mo
Today · 4.125%
HK$121,378
baseline
▲ 0.50% · 4.625%
HK$127,776
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,756/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,088
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,228
−HK$4,206/mo
Today · 4.125%
HK$141,434
baseline
▲ 0.50% · 4.625%
HK$150,039
+HK$8,605/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,868/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,059
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,030
−HK$4,028/mo
Today · 4.125%
HK$156,058
baseline
▲ 0.50% · 4.625%
HK$164,284
+HK$8,226/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,116/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,070 · Scale 2, in force from 26 Feb 2026)