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$74,250
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,559
−HK$2,347/mo
Today · 4.125%
HK$78,906
baseline
▲ 0.50% · 4.625%
HK$83,707
+HK$4,801/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,812/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,818
−HK$2,247/mo
Today · 4.125%
HK$87,065
baseline
▲ 0.50% · 4.625%
HK$91,654
+HK$4,589/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,130/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,100
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,816/mo
Today · 4.125%
HK$94,687
baseline
▲ 0.50% · 4.625%
HK$100,449
+HK$5,762/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$189,374/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,123
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,781
−HK$2,697/mo
Today · 4.125%
HK$104,478
baseline
▲ 0.50% · 4.625%
HK$109,985
+HK$5,507/mo
Deposit HK$13.02M · loan HK$19.54M · min. income ≈ HK$208,956/mo (50% DSR)
Upfront cash ≈ HK$14.41M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,950
−HK$6,518/mo
▼ 0.25% · 3.875%
HK$107,183
−HK$3,285/mo
Today · 4.125%
HK$110,468
baseline
▲ 0.50% · 4.625%
HK$117,190
+HK$6,722/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,936/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,643
−HK$6,248/mo
▼ 0.25% · 3.875%
HK$118,745
−HK$3,146/mo
Today · 4.125%
HK$121,891
baseline
▲ 0.50% · 4.625%
HK$128,316
+HK$6,425/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,782/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,650
−HK$8,381/mo
▼ 0.25% · 3.875%
HK$137,807
−HK$4,224/mo
Today · 4.125%
HK$142,031
baseline
▲ 0.50% · 4.625%
HK$150,673
+HK$8,642/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$284,062/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,684
−HK$8,033/mo
▼ 0.25% · 3.875%
HK$152,672
−HK$4,045/mo
Today · 4.125%
HK$156,717
baseline
▲ 0.50% · 4.625%
HK$164,978
+HK$8,261/mo
Deposit HK$3.26M · loan HK$29.31M · min. income ≈ HK$313,434/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,889 · Scale 2, in force from 26 Feb 2026)