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$73,555
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,843
−HK$2,324/mo
Today · 4.125%
HK$78,167
baseline
▲ 0.50% · 4.625%
HK$82,923
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,334/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,829
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,023
−HK$2,227/mo
Today · 4.125%
HK$86,250
baseline
▲ 0.50% · 4.625%
HK$90,796
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,500/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,266
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,011
−HK$2,790/mo
Today · 4.125%
HK$93,801
baseline
▲ 0.50% · 4.625%
HK$99,508
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,602/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,195
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,828
−HK$2,672/mo
Today · 4.125%
HK$103,500
baseline
▲ 0.50% · 4.625%
HK$108,955
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$207,000/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,976
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,180
−HK$3,254/mo
Today · 4.125%
HK$109,434
baseline
▲ 0.50% · 4.625%
HK$116,093
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,868/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,560
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,633
−HK$3,117/mo
Today · 4.125%
HK$120,750
baseline
▲ 0.50% · 4.625%
HK$127,114
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,500/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,398
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,517
−HK$4,184/mo
Today · 4.125%
HK$140,701
baseline
▲ 0.50% · 4.625%
HK$149,262
+HK$8,561/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,402/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,292
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,242
−HK$4,007/mo
Today · 4.125%
HK$155,249
baseline
▲ 0.50% · 4.625%
HK$163,433
+HK$8,184/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,498/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,930 · Scale 2, in force from 26 Feb 2026)