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$74,336
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,648
−HK$2,349/mo
Today · 4.125%
HK$78,997
baseline
▲ 0.50% · 4.625%
HK$83,804
+HK$4,807/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,994/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,698
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,916
−HK$2,250/mo
Today · 4.125%
HK$87,166
baseline
▲ 0.50% · 4.625%
HK$91,760
+HK$4,594/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,332/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,203
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,978
−HK$2,819/mo
Today · 4.125%
HK$94,797
baseline
▲ 0.50% · 4.625%
HK$100,565
+HK$5,768/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,594/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,237
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,899
−HK$2,700/mo
Today · 4.125%
HK$104,599
baseline
▲ 0.50% · 4.625%
HK$110,112
+HK$5,513/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,198/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,070
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,307
−HK$3,289/mo
Today · 4.125%
HK$110,596
baseline
▲ 0.50% · 4.625%
HK$117,326
+HK$6,730/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,192/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,777
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,882
−HK$3,150/mo
Today · 4.125%
HK$122,032
baseline
▲ 0.50% · 4.625%
HK$128,464
+HK$6,432/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,064/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,804
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$137,966
−HK$4,229/mo
Today · 4.125%
HK$142,195
baseline
▲ 0.50% · 4.625%
HK$150,847
+HK$8,652/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,390/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,856
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,848
−HK$4,050/mo
Today · 4.125%
HK$156,898
baseline
▲ 0.50% · 4.625%
HK$165,169
+HK$8,271/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,796/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,489 · Scale 2, in force from 26 Feb 2026)