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$73,594
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,883
−HK$2,326/mo
Today · 4.125%
HK$78,209
baseline
▲ 0.50% · 4.625%
HK$82,968
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,418/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,873
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,228/mo
Today · 4.125%
HK$86,296
baseline
▲ 0.50% · 4.625%
HK$90,845
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,592/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,313
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,060
−HK$2,791/mo
Today · 4.125%
HK$93,851
baseline
▲ 0.50% · 4.625%
HK$99,561
+HK$5,710/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,702/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,247
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$2,673/mo
Today · 4.125%
HK$103,555
baseline
▲ 0.50% · 4.625%
HK$109,014
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,110/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,032
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,237
−HK$3,256/mo
Today · 4.125%
HK$109,493
baseline
▲ 0.50% · 4.625%
HK$116,155
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,986/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,622
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,696
−HK$3,118/mo
Today · 4.125%
HK$120,814
baseline
▲ 0.50% · 4.625%
HK$127,183
+HK$6,369/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,628/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,469
−HK$8,307/mo
▼ 0.25% · 3.875%
HK$136,590
−HK$4,186/mo
Today · 4.125%
HK$140,776
baseline
▲ 0.50% · 4.625%
HK$149,342
+HK$8,566/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,552/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,371
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,323
−HK$4,010/mo
Today · 4.125%
HK$155,333
baseline
▲ 0.50% · 4.625%
HK$163,521
+HK$8,188/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,666/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,665 · Scale 2, in force from 26 Feb 2026)