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$73,808
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,104
−HK$2,332/mo
Today · 4.125%
HK$78,436
baseline
▲ 0.50% · 4.625%
HK$83,209
+HK$4,773/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,872/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,110
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,313
−HK$2,234/mo
Today · 4.125%
HK$86,547
baseline
▲ 0.50% · 4.625%
HK$91,109
+HK$4,562/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,094/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,569
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,324
−HK$2,800/mo
Today · 4.125%
HK$94,124
baseline
▲ 0.50% · 4.625%
HK$99,851
+HK$5,727/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,248/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,533
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,175
−HK$2,681/mo
Today · 4.125%
HK$103,856
baseline
▲ 0.50% · 4.625%
HK$109,330
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,712/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,331
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,545
−HK$3,266/mo
Today · 4.125%
HK$109,811
baseline
▲ 0.50% · 4.625%
HK$116,492
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,622/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,955
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,038
−HK$3,127/mo
Today · 4.125%
HK$121,165
baseline
▲ 0.50% · 4.625%
HK$127,552
+HK$6,387/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,330/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,854
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,987
−HK$4,198/mo
Today · 4.125%
HK$141,185
baseline
▲ 0.50% · 4.625%
HK$149,776
+HK$8,591/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,370/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,799
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$151,763
−HK$4,021/mo
Today · 4.125%
HK$155,784
baseline
▲ 0.50% · 4.625%
HK$163,996
+HK$8,212/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,568/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,650 · Scale 2, in force from 26 Feb 2026)