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$73,726
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,020
−HK$2,330/mo
Today · 4.125%
HK$78,350
baseline
▲ 0.50% · 4.625%
HK$83,117
+HK$4,767/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,700/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,020
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,220
−HK$2,231/mo
Today · 4.125%
HK$86,451
baseline
▲ 0.50% · 4.625%
HK$91,008
+HK$4,557/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,902/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,472
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,224
−HK$2,796/mo
Today · 4.125%
HK$94,020
baseline
▲ 0.50% · 4.625%
HK$99,741
+HK$5,721/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,040/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,424
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,064
−HK$2,677/mo
Today · 4.125%
HK$103,741
baseline
▲ 0.50% · 4.625%
HK$109,210
+HK$5,469/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,482/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,217
−HK$6,473/mo
▼ 0.25% · 3.875%
HK$106,428
−HK$3,262/mo
Today · 4.125%
HK$109,690
baseline
▲ 0.50% · 4.625%
HK$116,364
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,380/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,828
−HK$6,204/mo
▼ 0.25% · 3.875%
HK$117,907
−HK$3,125/mo
Today · 4.125%
HK$121,032
baseline
▲ 0.50% · 4.625%
HK$127,411
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,064/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,708
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,835
−HK$4,194/mo
Today · 4.125%
HK$141,029
baseline
▲ 0.50% · 4.625%
HK$149,611
+HK$8,582/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,058/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,636
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,595
−HK$4,017/mo
Today · 4.125%
HK$155,612
baseline
▲ 0.50% · 4.625%
HK$163,815
+HK$8,203/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,224/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,132 · Scale 2, in force from 26 Feb 2026)