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$74,380
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,351/mo
Today · 4.125%
HK$79,045
baseline
▲ 0.50% · 4.625%
HK$83,854
+HK$4,809/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$158,090/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,747
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,967
−HK$2,251/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$91,815
+HK$4,597/mo
Deposit HK$16.31M · loan HK$16.31M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,256
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,033
−HK$2,821/mo
Today · 4.125%
HK$94,854
baseline
▲ 0.50% · 4.625%
HK$100,625
+HK$5,771/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$189,708/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,297
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,960
−HK$2,702/mo
Today · 4.125%
HK$104,662
baseline
▲ 0.50% · 4.625%
HK$110,178
+HK$5,516/mo
Deposit HK$13.05M · loan HK$19.57M · min. income ≈ HK$209,324/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,133
−HK$6,530/mo
▼ 0.25% · 3.875%
HK$107,372
−HK$3,291/mo
Today · 4.125%
HK$110,663
baseline
▲ 0.50% · 4.625%
HK$117,396
+HK$6,733/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$221,326/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,846
−HK$6,259/mo
▼ 0.25% · 3.875%
HK$118,953
−HK$3,152/mo
Today · 4.125%
HK$122,105
baseline
▲ 0.50% · 4.625%
HK$128,542
+HK$6,437/mo
Deposit HK$9.79M · loan HK$22.83M · min. income ≈ HK$244,210/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,885
−HK$8,395/mo
▼ 0.25% · 3.875%
HK$138,049
−HK$4,231/mo
Today · 4.125%
HK$142,280
baseline
▲ 0.50% · 4.625%
HK$150,938
+HK$8,658/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$284,560/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,945
−HK$8,047/mo
▼ 0.25% · 3.875%
HK$152,940
−HK$4,052/mo
Today · 4.125%
HK$156,992
baseline
▲ 0.50% · 4.625%
HK$165,268
+HK$8,276/mo
Deposit HK$3.26M · loan HK$29.36M · min. income ≈ HK$313,984/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,386,321 · Scale 2, in force from 26 Feb 2026)