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$73,472
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,322/mo
Today · 4.125%
HK$78,079
baseline
▲ 0.50% · 4.625%
HK$82,830
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,158/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,737
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,929
−HK$2,224/mo
Today · 4.125%
HK$86,153
baseline
▲ 0.50% · 4.625%
HK$90,694
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,306/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,166
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,909
−HK$2,786/mo
Today · 4.125%
HK$93,695
baseline
▲ 0.50% · 4.625%
HK$99,396
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,390/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,084
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,715
−HK$2,668/mo
Today · 4.125%
HK$103,383
baseline
▲ 0.50% · 4.625%
HK$108,833
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,766/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,861
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,060
−HK$3,251/mo
Today · 4.125%
HK$109,311
baseline
▲ 0.50% · 4.625%
HK$115,962
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,622/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,432
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,501
−HK$3,113/mo
Today · 4.125%
HK$120,614
baseline
▲ 0.50% · 4.625%
HK$126,972
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,228/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,250
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,363
−HK$4,180/mo
Today · 4.125%
HK$140,543
baseline
▲ 0.50% · 4.625%
HK$149,095
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,086/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,126
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,072
−HK$4,003/mo
Today · 4.125%
HK$155,075
baseline
▲ 0.50% · 4.625%
HK$163,249
+HK$8,174/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,150/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,391 · Scale 2, in force from 26 Feb 2026)