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$73,909
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,208
−HK$2,336/mo
Today · 4.125%
HK$78,544
baseline
▲ 0.50% · 4.625%
HK$83,323
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,088/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,223
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,237/mo
Today · 4.125%
HK$86,665
baseline
▲ 0.50% · 4.625%
HK$91,233
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,330/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,691
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,450
−HK$2,802/mo
Today · 4.125%
HK$94,252
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,735/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,504/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,668
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,314
−HK$2,684/mo
Today · 4.125%
HK$103,998
baseline
▲ 0.50% · 4.625%
HK$109,480
+HK$5,482/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$207,996/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,473
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,691
−HK$3,270/mo
Today · 4.125%
HK$109,961
baseline
▲ 0.50% · 4.625%
HK$116,652
+HK$6,691/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,922/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,112
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,199
−HK$3,132/mo
Today · 4.125%
HK$121,331
baseline
▲ 0.50% · 4.625%
HK$127,727
+HK$6,396/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,662/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,036
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,174
−HK$4,205/mo
Today · 4.125%
HK$141,379
baseline
▲ 0.50% · 4.625%
HK$149,981
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,758/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,001
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,971
−HK$4,026/mo
Today · 4.125%
HK$155,997
baseline
▲ 0.50% · 4.625%
HK$164,220
+HK$8,223/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,994/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,534 · Scale 2, in force from 26 Feb 2026)