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$73,503
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,789
−HK$2,323/mo
Today · 4.125%
HK$78,112
baseline
▲ 0.50% · 4.625%
HK$82,865
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,224/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,771
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,964
−HK$2,225/mo
Today · 4.125%
HK$86,189
baseline
▲ 0.50% · 4.625%
HK$90,732
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,378/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,203
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,947
−HK$2,787/mo
Today · 4.125%
HK$93,734
baseline
▲ 0.50% · 4.625%
HK$99,438
+HK$5,704/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,468/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,125
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,757
−HK$2,669/mo
Today · 4.125%
HK$103,426
baseline
▲ 0.50% · 4.625%
HK$108,878
+HK$5,452/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,852/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,904
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,104
−HK$3,252/mo
Today · 4.125%
HK$109,356
baseline
▲ 0.50% · 4.625%
HK$116,011
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,712/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,479
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,549
−HK$3,115/mo
Today · 4.125%
HK$120,664
baseline
▲ 0.50% · 4.625%
HK$127,024
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,328/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,305
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,420
−HK$4,181/mo
Today · 4.125%
HK$140,601
baseline
▲ 0.50% · 4.625%
HK$149,156
+HK$8,555/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,202/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,187
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,135
−HK$4,005/mo
Today · 4.125%
HK$155,140
baseline
▲ 0.50% · 4.625%
HK$163,317
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,280/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,959 · Scale 2, in force from 26 Feb 2026)