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$73,512
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,798
−HK$2,324/mo
Today · 4.125%
HK$78,122
baseline
▲ 0.50% · 4.625%
HK$82,875
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,244/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,781
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,974
−HK$2,225/mo
Today · 4.125%
HK$86,199
baseline
▲ 0.50% · 4.625%
HK$90,743
+HK$4,544/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,398/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,214
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,958
−HK$2,788/mo
Today · 4.125%
HK$93,746
baseline
▲ 0.50% · 4.625%
HK$99,450
+HK$5,704/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$187,492/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,137
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,769
−HK$2,670/mo
Today · 4.125%
HK$103,439
baseline
▲ 0.50% · 4.625%
HK$108,892
+HK$5,453/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$206,878/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,916
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,118
−HK$3,252/mo
Today · 4.125%
HK$109,370
baseline
▲ 0.50% · 4.625%
HK$116,025
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,740/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,493
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,564
−HK$3,115/mo
Today · 4.125%
HK$120,679
baseline
▲ 0.50% · 4.625%
HK$127,040
+HK$6,361/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,358/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,321
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,437
−HK$4,182/mo
Today · 4.125%
HK$140,619
baseline
▲ 0.50% · 4.625%
HK$149,175
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,238/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,206
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,154
−HK$4,005/mo
Today · 4.125%
HK$155,159
baseline
▲ 0.50% · 4.625%
HK$163,338
+HK$8,179/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,318/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,130 · Scale 2, in force from 26 Feb 2026)