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$73,699
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,991
−HK$2,329/mo
Today · 4.125%
HK$78,320
baseline
▲ 0.50% · 4.625%
HK$83,086
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,640/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,989
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,188
−HK$2,231/mo
Today · 4.125%
HK$86,419
baseline
▲ 0.50% · 4.625%
HK$90,974
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,838/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,439
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,190
−HK$2,795/mo
Today · 4.125%
HK$93,985
baseline
▲ 0.50% · 4.625%
HK$99,703
+HK$5,718/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,970/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,387
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,026
−HK$2,677/mo
Today · 4.125%
HK$103,703
baseline
▲ 0.50% · 4.625%
HK$109,169
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,406/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,178
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,388
−HK$3,261/mo
Today · 4.125%
HK$109,649
baseline
▲ 0.50% · 4.625%
HK$116,320
+HK$6,671/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$219,298/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,785
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,863
−HK$3,123/mo
Today · 4.125%
HK$120,986
baseline
▲ 0.50% · 4.625%
HK$127,364
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$241,972/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,658
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,784
−HK$4,193/mo
Today · 4.125%
HK$140,977
baseline
▲ 0.50% · 4.625%
HK$149,555
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,954/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,581
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,539
−HK$4,015/mo
Today · 4.125%
HK$155,554
baseline
▲ 0.50% · 4.625%
HK$163,753
+HK$8,199/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,108/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,619 · Scale 2, in force from 26 Feb 2026)