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$73,583
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,872
−HK$2,325/mo
Today · 4.125%
HK$78,197
baseline
▲ 0.50% · 4.625%
HK$82,955
+HK$4,758/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,394/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,860
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,056
−HK$2,227/mo
Today · 4.125%
HK$86,283
baseline
▲ 0.50% · 4.625%
HK$90,831
+HK$4,548/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,566/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,299
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,046
−HK$2,791/mo
Today · 4.125%
HK$93,837
baseline
▲ 0.50% · 4.625%
HK$99,546
+HK$5,709/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,674/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,232
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,867
−HK$2,672/mo
Today · 4.125%
HK$103,539
baseline
▲ 0.50% · 4.625%
HK$108,997
+HK$5,458/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,078/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,016
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,220
−HK$3,256/mo
Today · 4.125%
HK$109,476
baseline
▲ 0.50% · 4.625%
HK$116,137
+HK$6,661/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,952/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,604
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,678
−HK$3,118/mo
Today · 4.125%
HK$120,796
baseline
▲ 0.50% · 4.625%
HK$127,163
+HK$6,367/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,592/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,449
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,569
−HK$4,186/mo
Today · 4.125%
HK$140,755
baseline
▲ 0.50% · 4.625%
HK$149,320
+HK$8,565/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,510/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,348
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,300
−HK$4,009/mo
Today · 4.125%
HK$155,309
baseline
▲ 0.50% · 4.625%
HK$163,496
+HK$8,187/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,618/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,457 · Scale 2, in force from 26 Feb 2026)