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$74,337
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,650
−HK$2,349/mo
Today · 4.125%
HK$78,999
baseline
▲ 0.50% · 4.625%
HK$83,806
+HK$4,807/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$157,998/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,917
−HK$2,250/mo
Today · 4.125%
HK$87,167
baseline
▲ 0.50% · 4.625%
HK$91,762
+HK$4,595/mo
Deposit HK$16.30M · loan HK$16.30M · min. income ≈ HK$174,334/mo (50% DSR)
Upfront cash ≈ HK$17.69M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,205
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,979
−HK$2,820/mo
Today · 4.125%
HK$94,799
baseline
▲ 0.50% · 4.625%
HK$100,567
+HK$5,768/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$189,598/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,239
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,901
−HK$2,700/mo
Today · 4.125%
HK$104,601
baseline
▲ 0.50% · 4.625%
HK$110,115
+HK$5,514/mo
Deposit HK$13.04M · loan HK$19.56M · min. income ≈ HK$209,202/mo (50% DSR)
Upfront cash ≈ HK$14.43M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,072
−HK$6,526/mo
▼ 0.25% · 3.875%
HK$107,309
−HK$3,289/mo
Today · 4.125%
HK$110,598
baseline
▲ 0.50% · 4.625%
HK$117,328
+HK$6,730/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$221,196/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,779
−HK$6,255/mo
▼ 0.25% · 3.875%
HK$118,884
−HK$3,150/mo
Today · 4.125%
HK$122,034
baseline
▲ 0.50% · 4.625%
HK$128,467
+HK$6,433/mo
Deposit HK$9.78M · loan HK$22.82M · min. income ≈ HK$244,068/mo (50% DSR)
Upfront cash ≈ HK$11.17M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,807
−HK$8,391/mo
▼ 0.25% · 3.875%
HK$137,969
−HK$4,229/mo
Today · 4.125%
HK$142,198
baseline
▲ 0.50% · 4.625%
HK$150,850
+HK$8,652/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$284,396/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,859
−HK$8,042/mo
▼ 0.25% · 3.875%
HK$152,851
−HK$4,050/mo
Today · 4.125%
HK$156,901
baseline
▲ 0.50% · 4.625%
HK$165,172
+HK$8,271/mo
Deposit HK$3.26M · loan HK$29.34M · min. income ≈ HK$313,802/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$1,385,517 · Scale 2, in force from 26 Feb 2026)