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$73,616
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,906
−HK$2,326/mo
Today · 4.125%
HK$78,232
baseline
▲ 0.50% · 4.625%
HK$82,992
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,464/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,897
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,093
−HK$2,228/mo
Today · 4.125%
HK$86,321
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,642/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,339
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,087
−HK$2,791/mo
Today · 4.125%
HK$93,878
baseline
▲ 0.50% · 4.625%
HK$99,591
+HK$5,713/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,756/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,276
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,912
−HK$2,674/mo
Today · 4.125%
HK$103,586
baseline
▲ 0.50% · 4.625%
HK$109,046
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,172/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,062
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,268
−HK$3,257/mo
Today · 4.125%
HK$109,525
baseline
▲ 0.50% · 4.625%
HK$116,189
+HK$6,664/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,050/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,655
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,730
−HK$3,120/mo
Today · 4.125%
HK$120,850
baseline
▲ 0.50% · 4.625%
HK$127,220
+HK$6,370/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,700/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,508
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,630
−HK$4,188/mo
Today · 4.125%
HK$140,818
baseline
▲ 0.50% · 4.625%
HK$149,386
+HK$8,568/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,636/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,414
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$151,368
−HK$4,010/mo
Today · 4.125%
HK$155,378
baseline
▲ 0.50% · 4.625%
HK$163,569
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,756/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,068 · Scale 2, in force from 26 Feb 2026)