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$73,480
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,765
−HK$2,322/mo
Today · 4.125%
HK$78,087
baseline
▲ 0.50% · 4.625%
HK$82,839
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,174/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,745
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,938
−HK$2,224/mo
Today · 4.125%
HK$86,162
baseline
▲ 0.50% · 4.625%
HK$90,703
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,324/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,176
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,918
−HK$2,787/mo
Today · 4.125%
HK$93,705
baseline
▲ 0.50% · 4.625%
HK$99,407
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,410/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,094
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,725
−HK$2,669/mo
Today · 4.125%
HK$103,394
baseline
▲ 0.50% · 4.625%
HK$108,844
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,788/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,871
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,071
−HK$3,251/mo
Today · 4.125%
HK$109,322
baseline
▲ 0.50% · 4.625%
HK$115,974
+HK$6,652/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,644/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,443
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,513
−HK$3,113/mo
Today · 4.125%
HK$120,626
baseline
▲ 0.50% · 4.625%
HK$126,985
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,252/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,263
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,377
−HK$4,180/mo
Today · 4.125%
HK$140,557
baseline
▲ 0.50% · 4.625%
HK$149,110
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,114/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,142
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,088
−HK$4,003/mo
Today · 4.125%
HK$155,091
baseline
▲ 0.50% · 4.625%
HK$163,266
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,182/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,532 · Scale 2, in force from 26 Feb 2026)