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$73,622
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,912
−HK$2,327/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$82,999
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,904
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,100
−HK$2,229/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$90,879
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,346
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,094
−HK$2,792/mo
Today · 4.125%
HK$93,886
baseline
▲ 0.50% · 4.625%
HK$99,599
+HK$5,713/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,772/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,284
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,920
−HK$2,674/mo
Today · 4.125%
HK$103,594
baseline
▲ 0.50% · 4.625%
HK$109,055
+HK$5,461/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,188/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,071
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,277
−HK$3,257/mo
Today · 4.125%
HK$109,534
baseline
▲ 0.50% · 4.625%
HK$116,199
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,068/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,665
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,740
−HK$3,120/mo
Today · 4.125%
HK$120,860
baseline
▲ 0.50% · 4.625%
HK$127,231
+HK$6,371/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,720/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,520
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,642
−HK$4,188/mo
Today · 4.125%
HK$140,830
baseline
▲ 0.50% · 4.625%
HK$149,399
+HK$8,569/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,660/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,427
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,381
−HK$4,011/mo
Today · 4.125%
HK$155,392
baseline
▲ 0.50% · 4.625%
HK$163,583
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,784/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,186 · Scale 2, in force from 26 Feb 2026)