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$73,599
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,888
−HK$2,326/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,878
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,074
−HK$2,227/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$90,850
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,318
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,065
−HK$2,792/mo
Today · 4.125%
HK$93,857
baseline
▲ 0.50% · 4.625%
HK$99,567
+HK$5,710/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,714/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,253
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,888
−HK$2,673/mo
Today · 4.125%
HK$103,561
baseline
▲ 0.50% · 4.625%
HK$109,020
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,122/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,038
−HK$6,461/mo
▼ 0.25% · 3.875%
HK$106,243
−HK$3,256/mo
Today · 4.125%
HK$109,499
baseline
▲ 0.50% · 4.625%
HK$116,162
+HK$6,663/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,998/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,629
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,703
−HK$3,119/mo
Today · 4.125%
HK$120,822
baseline
▲ 0.50% · 4.625%
HK$127,190
+HK$6,368/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,644/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,477
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,598
−HK$4,187/mo
Today · 4.125%
HK$140,785
baseline
▲ 0.50% · 4.625%
HK$149,351
+HK$8,566/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,570/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,380
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$151,332
−HK$4,010/mo
Today · 4.125%
HK$155,342
baseline
▲ 0.50% · 4.625%
HK$163,530
+HK$8,188/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,684/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,748 · Scale 2, in force from 26 Feb 2026)