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$73,810
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,106
−HK$2,333/mo
Today · 4.125%
HK$78,439
baseline
▲ 0.50% · 4.625%
HK$83,212
+HK$4,773/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,878/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,113
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,316
−HK$2,234/mo
Today · 4.125%
HK$86,550
baseline
▲ 0.50% · 4.625%
HK$91,112
+HK$4,562/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,100/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,573
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,328
−HK$2,799/mo
Today · 4.125%
HK$94,127
baseline
▲ 0.50% · 4.625%
HK$99,854
+HK$5,727/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,254/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,536
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,179
−HK$2,681/mo
Today · 4.125%
HK$103,860
baseline
▲ 0.50% · 4.625%
HK$109,334
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,720/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,335
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,549
−HK$3,266/mo
Today · 4.125%
HK$109,815
baseline
▲ 0.50% · 4.625%
HK$116,497
+HK$6,682/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,630/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,959
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,042
−HK$3,128/mo
Today · 4.125%
HK$121,170
baseline
▲ 0.50% · 4.625%
HK$127,557
+HK$6,387/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,340/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,859
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,992
−HK$4,198/mo
Today · 4.125%
HK$141,190
baseline
▲ 0.50% · 4.625%
HK$149,781
+HK$8,591/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,380/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,804
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$151,768
−HK$4,022/mo
Today · 4.125%
HK$155,790
baseline
▲ 0.50% · 4.625%
HK$164,001
+HK$8,211/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,580/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,699 · Scale 2, in force from 26 Feb 2026)