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$74,022
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,325
−HK$2,339/mo
Today · 4.125%
HK$78,664
baseline
▲ 0.50% · 4.625%
HK$83,451
+HK$4,787/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,328/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,349
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,558
−HK$2,240/mo
Today · 4.125%
HK$86,798
baseline
▲ 0.50% · 4.625%
HK$91,373
+HK$4,575/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,596/mo (50% DSR)
Upfront cash ≈ HK$17.61M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,827
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,590
−HK$2,807/mo
Today · 4.125%
HK$94,397
baseline
▲ 0.50% · 4.625%
HK$100,141
+HK$5,744/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$188,794/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,819
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,469
−HK$2,689/mo
Today · 4.125%
HK$104,158
baseline
▲ 0.50% · 4.625%
HK$109,648
+HK$5,490/mo
Deposit HK$12.98M · loan HK$19.48M · min. income ≈ HK$208,316/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,631
−HK$6,499/mo
▼ 0.25% · 3.875%
HK$106,855
−HK$3,275/mo
Today · 4.125%
HK$110,130
baseline
▲ 0.50% · 4.625%
HK$116,831
+HK$6,701/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,260/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,289
−HK$6,229/mo
▼ 0.25% · 3.875%
HK$118,381
−HK$3,137/mo
Today · 4.125%
HK$121,518
baseline
▲ 0.50% · 4.625%
HK$127,923
+HK$6,405/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$243,036/mo (50% DSR)
Upfront cash ≈ HK$11.12M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,240
−HK$8,356/mo
▼ 0.25% · 3.875%
HK$137,385
−HK$4,211/mo
Today · 4.125%
HK$141,596
baseline
▲ 0.50% · 4.625%
HK$150,211
+HK$8,615/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$283,192/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,229
−HK$8,008/mo
▼ 0.25% · 3.875%
HK$152,204
−HK$4,033/mo
Today · 4.125%
HK$156,237
baseline
▲ 0.50% · 4.625%
HK$164,472
+HK$8,235/mo
Deposit HK$3.25M · loan HK$29.22M · min. income ≈ HK$312,474/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$1,379,649 · Scale 2, in force from 26 Feb 2026)