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$73,598
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,887
−HK$2,326/mo
Today · 4.125%
HK$78,213
baseline
▲ 0.50% · 4.625%
HK$82,972
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,426/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,877
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,073
−HK$2,228/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$90,850
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,318
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,065
−HK$2,791/mo
Today · 4.125%
HK$93,856
baseline
▲ 0.50% · 4.625%
HK$99,567
+HK$5,711/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,712/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,252
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,888
−HK$2,673/mo
Today · 4.125%
HK$103,561
baseline
▲ 0.50% · 4.625%
HK$109,020
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,122/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,037
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,242
−HK$3,257/mo
Today · 4.125%
HK$109,499
baseline
▲ 0.50% · 4.625%
HK$116,161
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,998/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,628
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,702
−HK$3,119/mo
Today · 4.125%
HK$120,821
baseline
▲ 0.50% · 4.625%
HK$127,189
+HK$6,368/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,642/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,476
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,597
−HK$4,187/mo
Today · 4.125%
HK$140,784
baseline
▲ 0.50% · 4.625%
HK$149,350
+HK$8,566/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,568/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,379
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,331
−HK$4,010/mo
Today · 4.125%
HK$155,341
baseline
▲ 0.50% · 4.625%
HK$163,529
+HK$8,188/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,682/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,738 · Scale 2, in force from 26 Feb 2026)