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$74,225
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,534
−HK$2,345/mo
Today · 4.125%
HK$78,879
baseline
▲ 0.50% · 4.625%
HK$83,679
+HK$4,800/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$157,758/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,574
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,789
−HK$2,247/mo
Today · 4.125%
HK$87,036
baseline
▲ 0.50% · 4.625%
HK$91,623
+HK$4,587/mo
Deposit HK$16.28M · loan HK$16.28M · min. income ≈ HK$174,072/mo (50% DSR)
Upfront cash ≈ HK$17.66M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,840
−HK$2,815/mo
Today · 4.125%
HK$94,655
baseline
▲ 0.50% · 4.625%
HK$100,415
+HK$5,760/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$189,310/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,089
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,747
−HK$2,696/mo
Today · 4.125%
HK$104,443
baseline
▲ 0.50% · 4.625%
HK$109,948
+HK$5,505/mo
Deposit HK$13.02M · loan HK$19.53M · min. income ≈ HK$208,886/mo (50% DSR)
Upfront cash ≈ HK$14.40M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,915
−HK$6,516/mo
▼ 0.25% · 3.875%
HK$107,147
−HK$3,284/mo
Today · 4.125%
HK$110,431
baseline
▲ 0.50% · 4.625%
HK$117,151
+HK$6,720/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$220,862/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,604
−HK$6,246/mo
▼ 0.25% · 3.875%
HK$118,705
−HK$3,145/mo
Today · 4.125%
HK$121,850
baseline
▲ 0.50% · 4.625%
HK$128,273
+HK$6,423/mo
Deposit HK$9.77M · loan HK$22.79M · min. income ≈ HK$243,700/mo (50% DSR)
Upfront cash ≈ HK$11.15M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,605
−HK$8,378/mo
▼ 0.25% · 3.875%
HK$137,761
−HK$4,222/mo
Today · 4.125%
HK$141,983
baseline
▲ 0.50% · 4.625%
HK$150,622
+HK$8,639/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$283,966/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,634
−HK$8,030/mo
▼ 0.25% · 3.875%
HK$152,620
−HK$4,044/mo
Today · 4.125%
HK$156,664
baseline
▲ 0.50% · 4.625%
HK$164,922
+HK$8,258/mo
Deposit HK$3.26M · loan HK$29.30M · min. income ≈ HK$313,328/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,383,423 · Scale 2, in force from 26 Feb 2026)