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$73,796
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,092
−HK$2,332/mo
Today · 4.125%
HK$78,424
baseline
▲ 0.50% · 4.625%
HK$83,196
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,848/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,098
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,299
−HK$2,234/mo
Today · 4.125%
HK$86,533
baseline
▲ 0.50% · 4.625%
HK$91,094
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,066/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,556
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,310
−HK$2,799/mo
Today · 4.125%
HK$94,109
baseline
▲ 0.50% · 4.625%
HK$99,835
+HK$5,726/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,218/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,517
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,159
−HK$2,681/mo
Today · 4.125%
HK$103,840
baseline
▲ 0.50% · 4.625%
HK$109,313
+HK$5,473/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,680/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,315
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,528
−HK$3,266/mo
Today · 4.125%
HK$109,794
baseline
▲ 0.50% · 4.625%
HK$116,474
+HK$6,680/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,588/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,937
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,019
−HK$3,127/mo
Today · 4.125%
HK$121,146
baseline
▲ 0.50% · 4.625%
HK$127,532
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,292/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,833
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,965
−HK$4,198/mo
Today · 4.125%
HK$141,163
baseline
▲ 0.50% · 4.625%
HK$149,753
+HK$8,590/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,326/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,776
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,739
−HK$4,021/mo
Today · 4.125%
HK$155,760
baseline
▲ 0.50% · 4.625%
HK$163,970
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,520/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,434 · Scale 2, in force from 26 Feb 2026)