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$74,306
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,617
−HK$2,348/mo
Today · 4.125%
HK$78,965
baseline
▲ 0.50% · 4.625%
HK$83,770
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,930/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,664
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,881
−HK$2,249/mo
Today · 4.125%
HK$87,130
baseline
▲ 0.50% · 4.625%
HK$91,723
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,260/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,167
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,940
−HK$2,818/mo
Today · 4.125%
HK$94,758
baseline
▲ 0.50% · 4.625%
HK$100,524
+HK$5,766/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,516/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,197
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,857
−HK$2,699/mo
Today · 4.125%
HK$104,556
baseline
▲ 0.50% · 4.625%
HK$110,068
+HK$5,512/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,112/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,028
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,264
−HK$3,287/mo
Today · 4.125%
HK$110,551
baseline
▲ 0.50% · 4.625%
HK$117,278
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,102/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,730
−HK$6,252/mo
▼ 0.25% · 3.875%
HK$118,834
−HK$3,148/mo
Today · 4.125%
HK$121,982
baseline
▲ 0.50% · 4.625%
HK$128,412
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,964/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,750
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,910
−HK$4,227/mo
Today · 4.125%
HK$142,137
baseline
▲ 0.50% · 4.625%
HK$150,786
+HK$8,649/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,274/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,795
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,786
−HK$4,048/mo
Today · 4.125%
HK$156,834
baseline
▲ 0.50% · 4.625%
HK$165,101
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,668/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,926 · Scale 2, in force from 26 Feb 2026)