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$74,308
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,619
−HK$2,348/mo
Today · 4.125%
HK$78,967
baseline
▲ 0.50% · 4.625%
HK$83,772
+HK$4,805/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$157,934/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,667
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,884
−HK$2,249/mo
Today · 4.125%
HK$87,133
baseline
▲ 0.50% · 4.625%
HK$91,726
+HK$4,593/mo
Deposit HK$16.29M · loan HK$16.29M · min. income ≈ HK$174,266/mo (50% DSR)
Upfront cash ≈ HK$17.68M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,169
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,818/mo
Today · 4.125%
HK$94,761
baseline
▲ 0.50% · 4.625%
HK$100,527
+HK$5,766/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$189,522/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,860
−HK$2,699/mo
Today · 4.125%
HK$104,559
baseline
▲ 0.50% · 4.625%
HK$110,071
+HK$5,512/mo
Deposit HK$13.03M · loan HK$19.55M · min. income ≈ HK$209,118/mo (50% DSR)
Upfront cash ≈ HK$14.42M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,031
−HK$6,523/mo
▼ 0.25% · 3.875%
HK$107,267
−HK$3,287/mo
Today · 4.125%
HK$110,554
baseline
▲ 0.50% · 4.625%
HK$117,281
+HK$6,727/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$221,108/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,733
−HK$6,253/mo
▼ 0.25% · 3.875%
HK$118,837
−HK$3,149/mo
Today · 4.125%
HK$121,986
baseline
▲ 0.50% · 4.625%
HK$128,416
+HK$6,430/mo
Deposit HK$9.78M · loan HK$22.81M · min. income ≈ HK$243,972/mo (50% DSR)
Upfront cash ≈ HK$11.16M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,754
−HK$8,387/mo
▼ 0.25% · 3.875%
HK$137,914
−HK$4,227/mo
Today · 4.125%
HK$142,141
baseline
▲ 0.50% · 4.625%
HK$150,790
+HK$8,649/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$284,282/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,800
−HK$8,039/mo
▼ 0.25% · 3.875%
HK$152,791
−HK$4,048/mo
Today · 4.125%
HK$156,839
baseline
▲ 0.50% · 4.625%
HK$165,106
+HK$8,267/mo
Deposit HK$3.26M · loan HK$29.33M · min. income ≈ HK$313,678/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$1,384,967 · Scale 2, in force from 26 Feb 2026)