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$73,947
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,337/mo
Today · 4.125%
HK$78,584
baseline
▲ 0.50% · 4.625%
HK$83,365
+HK$4,781/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,168/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,265
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,471
−HK$2,238/mo
Today · 4.125%
HK$86,709
baseline
▲ 0.50% · 4.625%
HK$91,280
+HK$4,571/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,418/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,736
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,496
−HK$2,804/mo
Today · 4.125%
HK$94,300
baseline
▲ 0.50% · 4.625%
HK$100,038
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,600/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,718
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,365
−HK$2,686/mo
Today · 4.125%
HK$104,051
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,102/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,525
−HK$6,492/mo
▼ 0.25% · 3.875%
HK$106,745
−HK$3,272/mo
Today · 4.125%
HK$110,017
baseline
▲ 0.50% · 4.625%
HK$116,711
+HK$6,694/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,034/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,171
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,260
−HK$3,133/mo
Today · 4.125%
HK$121,393
baseline
▲ 0.50% · 4.625%
HK$127,792
+HK$6,399/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,786/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,104
−HK$8,347/mo
▼ 0.25% · 3.875%
HK$137,244
−HK$4,207/mo
Today · 4.125%
HK$141,451
baseline
▲ 0.50% · 4.625%
HK$150,058
+HK$8,607/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,902/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,077
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,048
−HK$4,029/mo
Today · 4.125%
HK$156,077
baseline
▲ 0.50% · 4.625%
HK$164,304
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,154/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,235 · Scale 2, in force from 26 Feb 2026)