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$73,701
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,993
−HK$2,330/mo
Today · 4.125%
HK$78,323
baseline
▲ 0.50% · 4.625%
HK$83,088
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,646/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,992
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,191
−HK$2,230/mo
Today · 4.125%
HK$86,421
baseline
▲ 0.50% · 4.625%
HK$90,977
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,842/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,441
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,192
−HK$2,795/mo
Today · 4.125%
HK$93,987
baseline
▲ 0.50% · 4.625%
HK$99,706
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,974/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,390
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,029
−HK$2,677/mo
Today · 4.125%
HK$103,706
baseline
▲ 0.50% · 4.625%
HK$109,172
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,412/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,181
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,391
−HK$3,261/mo
Today · 4.125%
HK$109,652
baseline
▲ 0.50% · 4.625%
HK$116,324
+HK$6,672/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$219,304/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,788
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,867
−HK$3,123/mo
Today · 4.125%
HK$120,990
baseline
▲ 0.50% · 4.625%
HK$127,367
+HK$6,377/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$241,980/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,662
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,788
−HK$4,193/mo
Today · 4.125%
HK$140,981
baseline
▲ 0.50% · 4.625%
HK$149,559
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,962/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,585
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,543
−HK$4,015/mo
Today · 4.125%
HK$155,558
baseline
▲ 0.50% · 4.625%
HK$163,758
+HK$8,200/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,116/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,657 · Scale 2, in force from 26 Feb 2026)