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$73,567
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,855
−HK$2,325/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,937
+HK$4,757/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,037
−HK$2,227/mo
Today · 4.125%
HK$86,264
baseline
▲ 0.50% · 4.625%
HK$90,811
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,528/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,280
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,026
−HK$2,790/mo
Today · 4.125%
HK$93,816
baseline
▲ 0.50% · 4.625%
HK$99,525
+HK$5,709/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,632/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,211
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,845
−HK$2,672/mo
Today · 4.125%
HK$103,517
baseline
▲ 0.50% · 4.625%
HK$108,973
+HK$5,456/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,034/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,994
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,197
−HK$3,255/mo
Today · 4.125%
HK$109,452
baseline
▲ 0.50% · 4.625%
HK$116,112
+HK$6,660/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,904/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,579
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,652
−HK$3,118/mo
Today · 4.125%
HK$120,770
baseline
▲ 0.50% · 4.625%
HK$127,136
+HK$6,366/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,540/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,420
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,539
−HK$4,185/mo
Today · 4.125%
HK$140,724
baseline
▲ 0.50% · 4.625%
HK$149,287
+HK$8,563/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,448/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,316
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,267
−HK$4,008/mo
Today · 4.125%
HK$155,275
baseline
▲ 0.50% · 4.625%
HK$163,460
+HK$8,185/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,550/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,158 · Scale 2, in force from 26 Feb 2026)