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$73,611
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,901
−HK$2,326/mo
Today · 4.125%
HK$78,227
baseline
▲ 0.50% · 4.625%
HK$82,987
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,454/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,891
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,088
−HK$2,228/mo
Today · 4.125%
HK$86,316
baseline
▲ 0.50% · 4.625%
HK$90,866
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,632/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,333
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,081
−HK$2,791/mo
Today · 4.125%
HK$93,872
baseline
▲ 0.50% · 4.625%
HK$99,584
+HK$5,712/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,744/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,270
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,905
−HK$2,674/mo
Today · 4.125%
HK$103,579
baseline
▲ 0.50% · 4.625%
HK$109,039
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,158/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,055
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,261
−HK$3,257/mo
Today · 4.125%
HK$109,518
baseline
▲ 0.50% · 4.625%
HK$116,182
+HK$6,664/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$219,036/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,648
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,723
−HK$3,119/mo
Today · 4.125%
HK$120,842
baseline
▲ 0.50% · 4.625%
HK$127,212
+HK$6,370/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$241,684/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,500
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,621
−HK$4,188/mo
Today · 4.125%
HK$140,809
baseline
▲ 0.50% · 4.625%
HK$149,377
+HK$8,568/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,618/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,405
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,358
−HK$4,010/mo
Today · 4.125%
HK$155,368
baseline
▲ 0.50% · 4.625%
HK$163,558
+HK$8,190/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,736/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,981 · Scale 2, in force from 26 Feb 2026)