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$73,581
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,870
−HK$2,325/mo
Today · 4.125%
HK$78,195
baseline
▲ 0.50% · 4.625%
HK$82,953
+HK$4,758/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,390/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,858
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,054
−HK$2,227/mo
Today · 4.125%
HK$86,281
baseline
▲ 0.50% · 4.625%
HK$90,829
+HK$4,548/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,562/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,297
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,044
−HK$2,790/mo
Today · 4.125%
HK$93,834
baseline
▲ 0.50% · 4.625%
HK$99,544
+HK$5,710/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,668/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,230
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,864
−HK$2,673/mo
Today · 4.125%
HK$103,537
baseline
▲ 0.50% · 4.625%
HK$108,995
+HK$5,458/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,074/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,014
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,218
−HK$3,256/mo
Today · 4.125%
HK$109,474
baseline
▲ 0.50% · 4.625%
HK$116,135
+HK$6,661/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,948/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,602
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,675
−HK$3,118/mo
Today · 4.125%
HK$120,793
baseline
▲ 0.50% · 4.625%
HK$127,160
+HK$6,367/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,586/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,446
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,566
−HK$4,186/mo
Today · 4.125%
HK$140,752
baseline
▲ 0.50% · 4.625%
HK$149,316
+HK$8,564/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,504/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,345
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,297
−HK$4,009/mo
Today · 4.125%
HK$155,306
baseline
▲ 0.50% · 4.625%
HK$163,492
+HK$8,186/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,612/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,425 · Scale 2, in force from 26 Feb 2026)