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$73,516
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,803
−HK$2,324/mo
Today · 4.125%
HK$78,127
baseline
▲ 0.50% · 4.625%
HK$82,880
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,254/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,786
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,980
−HK$2,225/mo
Today · 4.125%
HK$86,205
baseline
▲ 0.50% · 4.625%
HK$90,749
+HK$4,544/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,410/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,220
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,964
−HK$2,788/mo
Today · 4.125%
HK$93,752
baseline
▲ 0.50% · 4.625%
HK$99,456
+HK$5,704/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$187,504/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,144
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,776
−HK$2,670/mo
Today · 4.125%
HK$103,446
baseline
▲ 0.50% · 4.625%
HK$108,899
+HK$5,453/mo
Deposit HK$12.90M · loan HK$19.34M · min. income ≈ HK$206,892/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,923
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$106,125
−HK$3,252/mo
Today · 4.125%
HK$109,377
baseline
▲ 0.50% · 4.625%
HK$116,033
+HK$6,656/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,754/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,501
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,572
−HK$3,115/mo
Today · 4.125%
HK$120,687
baseline
▲ 0.50% · 4.625%
HK$127,049
+HK$6,362/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,374/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,330
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$136,446
−HK$4,182/mo
Today · 4.125%
HK$140,628
baseline
▲ 0.50% · 4.625%
HK$149,185
+HK$8,557/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,256/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,215
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$151,164
−HK$4,005/mo
Today · 4.125%
HK$155,169
baseline
▲ 0.50% · 4.625%
HK$163,348
+HK$8,179/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,338/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,219 · Scale 2, in force from 26 Feb 2026)