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$74,035
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,340/mo
Today · 4.125%
HK$78,678
baseline
▲ 0.50% · 4.625%
HK$83,465
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,356/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,363
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,572
−HK$2,241/mo
Today · 4.125%
HK$86,813
baseline
▲ 0.50% · 4.625%
HK$91,389
+HK$4,576/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,626/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,842
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,605
−HK$2,808/mo
Today · 4.125%
HK$94,413
baseline
▲ 0.50% · 4.625%
HK$100,158
+HK$5,745/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$188,826/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,836
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,487
−HK$2,689/mo
Today · 4.125%
HK$104,176
baseline
▲ 0.50% · 4.625%
HK$109,667
+HK$5,491/mo
Deposit HK$12.99M · loan HK$19.48M · min. income ≈ HK$208,352/mo (50% DSR)
Upfront cash ≈ HK$14.37M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,649
−HK$6,500/mo
▼ 0.25% · 3.875%
HK$106,873
−HK$3,276/mo
Today · 4.125%
HK$110,149
baseline
▲ 0.50% · 4.625%
HK$116,851
+HK$6,702/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$220,298/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,308
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$118,401
−HK$3,137/mo
Today · 4.125%
HK$121,538
baseline
▲ 0.50% · 4.625%
HK$127,945
+HK$6,407/mo
Deposit HK$9.74M · loan HK$22.73M · min. income ≈ HK$243,076/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,263
−HK$8,357/mo
▼ 0.25% · 3.875%
HK$137,408
−HK$4,212/mo
Today · 4.125%
HK$141,620
baseline
▲ 0.50% · 4.625%
HK$150,237
+HK$8,617/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,240/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,254
−HK$8,009/mo
▼ 0.25% · 3.875%
HK$152,230
−HK$4,033/mo
Today · 4.125%
HK$156,263
baseline
▲ 0.50% · 4.625%
HK$164,500
+HK$8,237/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,526/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,883 · Scale 2, in force from 26 Feb 2026)