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$73,623
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,327/mo
Today · 4.125%
HK$78,240
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,480/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,905
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,229/mo
Today · 4.125%
HK$86,330
baseline
▲ 0.50% · 4.625%
HK$90,880
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,660/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,347
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,095
−HK$2,792/mo
Today · 4.125%
HK$93,887
baseline
▲ 0.50% · 4.625%
HK$99,600
+HK$5,713/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,774/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,285
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,921
−HK$2,675/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,056
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,072
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,278
−HK$3,257/mo
Today · 4.125%
HK$109,535
baseline
▲ 0.50% · 4.625%
HK$116,200
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,070/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,666
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,742
−HK$3,119/mo
Today · 4.125%
HK$120,861
baseline
▲ 0.50% · 4.625%
HK$127,232
+HK$6,371/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,722/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,521
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,643
−HK$4,188/mo
Today · 4.125%
HK$140,831
baseline
▲ 0.50% · 4.625%
HK$149,400
+HK$8,569/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,662/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,428
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,382
−HK$4,011/mo
Today · 4.125%
HK$155,393
baseline
▲ 0.50% · 4.625%
HK$163,584
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,786/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,199 · Scale 2, in force from 26 Feb 2026)