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$73,828
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,125
−HK$2,333/mo
Today · 4.125%
HK$78,458
baseline
▲ 0.50% · 4.625%
HK$83,232
+HK$4,774/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,916/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,133
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,336
−HK$2,235/mo
Today · 4.125%
HK$86,571
baseline
▲ 0.50% · 4.625%
HK$91,134
+HK$4,563/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,142/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,594
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,350
−HK$2,800/mo
Today · 4.125%
HK$94,150
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,728/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,300/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,560
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,203
−HK$2,682/mo
Today · 4.125%
HK$103,885
baseline
▲ 0.50% · 4.625%
HK$109,361
+HK$5,476/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,770/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,360
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,575
−HK$3,266/mo
Today · 4.125%
HK$109,841
baseline
▲ 0.50% · 4.625%
HK$116,525
+HK$6,684/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,682/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,987
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,070
−HK$3,129/mo
Today · 4.125%
HK$121,199
baseline
▲ 0.50% · 4.625%
HK$127,588
+HK$6,389/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,398/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,891
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,025
−HK$4,199/mo
Today · 4.125%
HK$141,224
baseline
▲ 0.50% · 4.625%
HK$149,818
+HK$8,594/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,448/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,840
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,805
−HK$4,022/mo
Today · 4.125%
HK$155,827
baseline
▲ 0.50% · 4.625%
HK$164,041
+HK$8,214/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,654/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,032 · Scale 2, in force from 26 Feb 2026)