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$73,559
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,847
−HK$2,324/mo
Today · 4.125%
HK$78,171
baseline
▲ 0.50% · 4.625%
HK$82,928
+HK$4,757/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,342/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,028
−HK$2,226/mo
Today · 4.125%
HK$86,254
baseline
▲ 0.50% · 4.625%
HK$90,801
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,508/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,270
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,016
−HK$2,790/mo
Today · 4.125%
HK$93,806
baseline
▲ 0.50% · 4.625%
HK$99,513
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$187,612/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,833
−HK$2,672/mo
Today · 4.125%
HK$103,505
baseline
▲ 0.50% · 4.625%
HK$108,961
+HK$5,456/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$207,010/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,982
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,185
−HK$3,255/mo
Today · 4.125%
HK$109,440
baseline
▲ 0.50% · 4.625%
HK$116,099
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,880/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,566
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,639
−HK$3,117/mo
Today · 4.125%
HK$120,756
baseline
▲ 0.50% · 4.625%
HK$127,121
+HK$6,365/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,512/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,405
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,524
−HK$4,184/mo
Today · 4.125%
HK$140,708
baseline
▲ 0.50% · 4.625%
HK$149,270
+HK$8,562/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,416/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,300
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,250
−HK$4,008/mo
Today · 4.125%
HK$155,258
baseline
▲ 0.50% · 4.625%
HK$163,442
+HK$8,184/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,516/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,004 · Scale 2, in force from 26 Feb 2026)