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$73,822
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,119
−HK$2,333/mo
Today · 4.125%
HK$78,452
baseline
▲ 0.50% · 4.625%
HK$83,225
+HK$4,773/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,904/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,127
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,329
−HK$2,235/mo
Today · 4.125%
HK$86,564
baseline
▲ 0.50% · 4.625%
HK$91,127
+HK$4,563/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,128/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,587
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,342
−HK$2,800/mo
Today · 4.125%
HK$94,142
baseline
▲ 0.50% · 4.625%
HK$99,870
+HK$5,728/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,284/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,552
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,195
−HK$2,682/mo
Today · 4.125%
HK$103,877
baseline
▲ 0.50% · 4.625%
HK$109,352
+HK$5,475/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,754/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,351
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,566
−HK$3,266/mo
Today · 4.125%
HK$109,832
baseline
▲ 0.50% · 4.625%
HK$116,515
+HK$6,683/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,664/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,977
−HK$6,212/mo
▼ 0.25% · 3.875%
HK$118,061
−HK$3,128/mo
Today · 4.125%
HK$121,189
baseline
▲ 0.50% · 4.625%
HK$127,577
+HK$6,388/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,378/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,880
−HK$8,333/mo
▼ 0.25% · 3.875%
HK$137,014
−HK$4,199/mo
Today · 4.125%
HK$141,213
baseline
▲ 0.50% · 4.625%
HK$149,806
+HK$8,593/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,426/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,828
−HK$7,987/mo
▼ 0.25% · 3.875%
HK$151,793
−HK$4,022/mo
Today · 4.125%
HK$155,815
baseline
▲ 0.50% · 4.625%
HK$164,028
+HK$8,213/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,630/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,922 · Scale 2, in force from 26 Feb 2026)