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$73,670
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,962
−HK$2,328/mo
Today · 4.125%
HK$78,290
baseline
▲ 0.50% · 4.625%
HK$83,054
+HK$4,764/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,580/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,958
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,156
−HK$2,230/mo
Today · 4.125%
HK$86,386
baseline
▲ 0.50% · 4.625%
HK$90,939
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,772/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,404
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,154
−HK$2,794/mo
Today · 4.125%
HK$93,948
baseline
▲ 0.50% · 4.625%
HK$99,665
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,896/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,349
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,987
−HK$2,676/mo
Today · 4.125%
HK$103,663
baseline
▲ 0.50% · 4.625%
HK$109,127
+HK$5,464/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,326/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,139
−HK$6,467/mo
▼ 0.25% · 3.875%
HK$106,347
−HK$3,259/mo
Today · 4.125%
HK$109,606
baseline
▲ 0.50% · 4.625%
HK$116,276
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,212/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,741
−HK$6,199/mo
▼ 0.25% · 3.875%
HK$117,818
−HK$3,122/mo
Today · 4.125%
HK$120,940
baseline
▲ 0.50% · 4.625%
HK$127,315
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,880/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,607
−HK$8,315/mo
▼ 0.25% · 3.875%
HK$136,732
−HK$4,190/mo
Today · 4.125%
HK$140,922
baseline
▲ 0.50% · 4.625%
HK$149,497
+HK$8,575/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,844/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,524
−HK$7,970/mo
▼ 0.25% · 3.875%
HK$151,480
−HK$4,014/mo
Today · 4.125%
HK$155,494
baseline
▲ 0.50% · 4.625%
HK$163,690
+HK$8,196/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$310,988/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,088 · Scale 2, in force from 26 Feb 2026)