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$73,624
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,914
−HK$2,327/mo
Today · 4.125%
HK$78,241
baseline
▲ 0.50% · 4.625%
HK$83,002
+HK$4,761/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,482/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,906
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,103
−HK$2,228/mo
Today · 4.125%
HK$86,331
baseline
▲ 0.50% · 4.625%
HK$90,882
+HK$4,551/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,662/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,349
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,097
−HK$2,792/mo
Today · 4.125%
HK$93,889
baseline
▲ 0.50% · 4.625%
HK$99,602
+HK$5,713/mo
Deposit HK$12.92M · loan HK$19.37M · min. income ≈ HK$187,778/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,287
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,923
−HK$2,674/mo
Today · 4.125%
HK$103,597
baseline
▲ 0.50% · 4.625%
HK$109,058
+HK$5,461/mo
Deposit HK$12.92M · loan HK$19.37M · min. income ≈ HK$207,194/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,074
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,280
−HK$3,257/mo
Today · 4.125%
HK$109,537
baseline
▲ 0.50% · 4.625%
HK$116,202
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,074/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,668
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,744
−HK$3,119/mo
Today · 4.125%
HK$120,863
baseline
▲ 0.50% · 4.625%
HK$127,234
+HK$6,371/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,726/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,523
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,645
−HK$4,188/mo
Today · 4.125%
HK$140,833
baseline
▲ 0.50% · 4.625%
HK$149,403
+HK$8,570/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,666/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,431
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,385
−HK$4,011/mo
Today · 4.125%
HK$155,396
baseline
▲ 0.50% · 4.625%
HK$163,587
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,792/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,222 · Scale 2, in force from 26 Feb 2026)