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$73,541
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,829
−HK$2,324/mo
Today · 4.125%
HK$78,153
baseline
▲ 0.50% · 4.625%
HK$82,909
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,306/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,814
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,008
−HK$2,226/mo
Today · 4.125%
HK$86,234
baseline
▲ 0.50% · 4.625%
HK$90,780
+HK$4,546/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,468/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,250
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,995
−HK$2,789/mo
Today · 4.125%
HK$93,784
baseline
▲ 0.50% · 4.625%
HK$99,490
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,568/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,177
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$2,671/mo
Today · 4.125%
HK$103,481
baseline
▲ 0.50% · 4.625%
HK$108,936
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,962/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,958
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,161
−HK$3,253/mo
Today · 4.125%
HK$109,414
baseline
▲ 0.50% · 4.625%
HK$116,072
+HK$6,658/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,828/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,540
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,612
−HK$3,116/mo
Today · 4.125%
HK$120,728
baseline
▲ 0.50% · 4.625%
HK$127,092
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,456/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,375
−HK$8,301/mo
▼ 0.25% · 3.875%
HK$136,492
−HK$4,184/mo
Today · 4.125%
HK$140,676
baseline
▲ 0.50% · 4.625%
HK$149,235
+HK$8,559/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,352/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,265
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$151,215
−HK$4,007/mo
Today · 4.125%
HK$155,222
baseline
▲ 0.50% · 4.625%
HK$163,404
+HK$8,182/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,444/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,684 · Scale 2, in force from 26 Feb 2026)