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$73,530
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,323/mo
Today · 4.125%
HK$78,141
baseline
▲ 0.50% · 4.625%
HK$82,896
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,282/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,802
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,996
−HK$2,225/mo
Today · 4.125%
HK$86,221
baseline
▲ 0.50% · 4.625%
HK$90,766
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,442/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,236
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,981
−HK$2,789/mo
Today · 4.125%
HK$93,770
baseline
▲ 0.50% · 4.625%
HK$99,475
+HK$5,705/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,540/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,162
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,795
−HK$2,671/mo
Today · 4.125%
HK$103,466
baseline
▲ 0.50% · 4.625%
HK$108,919
+HK$5,453/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,932/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,943
−HK$6,455/mo
▼ 0.25% · 3.875%
HK$106,145
−HK$3,253/mo
Today · 4.125%
HK$109,398
baseline
▲ 0.50% · 4.625%
HK$116,055
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,796/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,523
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$117,594
−HK$3,116/mo
Today · 4.125%
HK$120,710
baseline
▲ 0.50% · 4.625%
HK$127,073
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,420/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,355
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,472
−HK$4,183/mo
Today · 4.125%
HK$140,655
baseline
▲ 0.50% · 4.625%
HK$149,213
+HK$8,558/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,310/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,243
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$151,192
−HK$4,006/mo
Today · 4.125%
HK$155,198
baseline
▲ 0.50% · 4.625%
HK$163,379
+HK$8,181/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,396/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,479 · Scale 2, in force from 26 Feb 2026)