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$73,856
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,154
−HK$2,334/mo
Today · 4.125%
HK$78,488
baseline
▲ 0.50% · 4.625%
HK$83,264
+HK$4,776/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,976/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,164
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,368
−HK$2,236/mo
Today · 4.125%
HK$86,604
baseline
▲ 0.50% · 4.625%
HK$91,168
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,208/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,628
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,384
−HK$2,801/mo
Today · 4.125%
HK$94,185
baseline
▲ 0.50% · 4.625%
HK$99,916
+HK$5,731/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$188,370/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,597
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,242
−HK$2,682/mo
Today · 4.125%
HK$103,924
baseline
▲ 0.50% · 4.625%
HK$109,402
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$207,848/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,399
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,615
−HK$3,268/mo
Today · 4.125%
HK$109,883
baseline
▲ 0.50% · 4.625%
HK$116,569
+HK$6,686/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,766/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,030
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,115
−HK$3,130/mo
Today · 4.125%
HK$121,245
baseline
▲ 0.50% · 4.625%
HK$127,636
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,490/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,941
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$137,077
−HK$4,201/mo
Today · 4.125%
HK$141,278
baseline
▲ 0.50% · 4.625%
HK$149,874
+HK$8,596/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,556/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,896
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,862
−HK$4,024/mo
Today · 4.125%
HK$155,886
baseline
▲ 0.50% · 4.625%
HK$164,103
+HK$8,217/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,772/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,553 · Scale 2, in force from 26 Feb 2026)