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$73,836
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,133
−HK$2,333/mo
Today · 4.125%
HK$78,466
baseline
▲ 0.50% · 4.625%
HK$83,241
+HK$4,775/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,932/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,142
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,345
−HK$2,235/mo
Today · 4.125%
HK$86,580
baseline
▲ 0.50% · 4.625%
HK$91,144
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,160/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,603
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,359
−HK$2,800/mo
Today · 4.125%
HK$94,159
baseline
▲ 0.50% · 4.625%
HK$99,889
+HK$5,730/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,318/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,570
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,214
−HK$2,682/mo
Today · 4.125%
HK$103,896
baseline
▲ 0.50% · 4.625%
HK$109,372
+HK$5,476/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,792/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,371
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,586
−HK$3,267/mo
Today · 4.125%
HK$109,853
baseline
▲ 0.50% · 4.625%
HK$116,537
+HK$6,684/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$219,706/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,999
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,083
−HK$3,129/mo
Today · 4.125%
HK$121,212
baseline
▲ 0.50% · 4.625%
HK$127,601
+HK$6,389/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$242,424/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,905
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,039
−HK$4,200/mo
Today · 4.125%
HK$141,239
baseline
▲ 0.50% · 4.625%
HK$149,833
+HK$8,594/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,478/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,855
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,821
−HK$4,023/mo
Today · 4.125%
HK$155,844
baseline
▲ 0.50% · 4.625%
HK$164,058
+HK$8,214/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,688/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,176 · Scale 2, in force from 26 Feb 2026)