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$73,688
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,980
−HK$2,329/mo
Today · 4.125%
HK$78,309
baseline
▲ 0.50% · 4.625%
HK$83,074
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,618/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,978
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,176
−HK$2,231/mo
Today · 4.125%
HK$86,407
baseline
▲ 0.50% · 4.625%
HK$90,961
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,814/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,426
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,177
−HK$2,794/mo
Today · 4.125%
HK$93,971
baseline
▲ 0.50% · 4.625%
HK$99,689
+HK$5,718/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,942/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,373
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,011
−HK$2,677/mo
Today · 4.125%
HK$103,688
baseline
▲ 0.50% · 4.625%
HK$109,153
+HK$5,465/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,376/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,164
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,373
−HK$3,260/mo
Today · 4.125%
HK$109,633
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$6,671/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,266/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,769
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,847
−HK$3,122/mo
Today · 4.125%
HK$120,969
baseline
▲ 0.50% · 4.625%
HK$127,346
+HK$6,377/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,938/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,639
−HK$8,318/mo
▼ 0.25% · 3.875%
HK$136,765
−HK$4,192/mo
Today · 4.125%
HK$140,957
baseline
▲ 0.50% · 4.625%
HK$149,533
+HK$8,576/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,914/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,560
−HK$7,972/mo
▼ 0.25% · 3.875%
HK$151,517
−HK$4,015/mo
Today · 4.125%
HK$155,532
baseline
▲ 0.50% · 4.625%
HK$163,730
+HK$8,198/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,064/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,422 · Scale 2, in force from 26 Feb 2026)