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$73,696
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,329/mo
Today · 4.125%
HK$78,317
baseline
▲ 0.50% · 4.625%
HK$83,083
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,634/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,986
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,185
−HK$2,230/mo
Today · 4.125%
HK$86,415
baseline
▲ 0.50% · 4.625%
HK$90,970
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,830/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,435
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,186
−HK$2,795/mo
Today · 4.125%
HK$93,981
baseline
▲ 0.50% · 4.625%
HK$99,699
+HK$5,718/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,962/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,383
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,022
−HK$2,676/mo
Today · 4.125%
HK$103,698
baseline
▲ 0.50% · 4.625%
HK$109,164
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,396/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,174
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,383
−HK$3,261/mo
Today · 4.125%
HK$109,644
baseline
▲ 0.50% · 4.625%
HK$116,316
+HK$6,672/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$219,288/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,780
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,859
−HK$3,122/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$127,359
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.62M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,652
−HK$8,319/mo
▼ 0.25% · 3.875%
HK$136,779
−HK$4,192/mo
Today · 4.125%
HK$140,971
baseline
▲ 0.50% · 4.625%
HK$149,549
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,942/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,575
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,532
−HK$4,016/mo
Today · 4.125%
HK$155,548
baseline
▲ 0.50% · 4.625%
HK$163,747
+HK$8,199/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,096/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,562 · Scale 2, in force from 26 Feb 2026)