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$73,941
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,336/mo
Today · 4.125%
HK$78,577
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,782/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,154/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,258
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,464
−HK$2,238/mo
Today · 4.125%
HK$86,702
baseline
▲ 0.50% · 4.625%
HK$91,273
+HK$4,571/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,404/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,729
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,489
−HK$2,804/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$100,030
+HK$5,737/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,710
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,357
−HK$2,686/mo
Today · 4.125%
HK$104,043
baseline
▲ 0.50% · 4.625%
HK$109,527
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,086/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,517
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,737
−HK$3,271/mo
Today · 4.125%
HK$110,008
baseline
▲ 0.50% · 4.625%
HK$116,702
+HK$6,694/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,016/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,161
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,250
−HK$3,133/mo
Today · 4.125%
HK$121,383
baseline
▲ 0.50% · 4.625%
HK$127,782
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,766/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,093
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,233
−HK$4,206/mo
Today · 4.125%
HK$141,439
baseline
▲ 0.50% · 4.625%
HK$150,045
+HK$8,606/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,878/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,065
−HK$7,999/mo
▼ 0.25% · 3.875%
HK$152,036
−HK$4,028/mo
Today · 4.125%
HK$156,064
baseline
▲ 0.50% · 4.625%
HK$164,291
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,128/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,125 · Scale 2, in force from 26 Feb 2026)