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$73,553
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,841
−HK$2,325/mo
Today · 4.125%
HK$78,166
baseline
▲ 0.50% · 4.625%
HK$82,922
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,332/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,827
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,022
−HK$2,226/mo
Today · 4.125%
HK$86,248
baseline
▲ 0.50% · 4.625%
HK$90,795
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,496/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,264
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,010
−HK$2,789/mo
Today · 4.125%
HK$93,799
baseline
▲ 0.50% · 4.625%
HK$99,506
+HK$5,707/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,598/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,193
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,826
−HK$2,672/mo
Today · 4.125%
HK$103,498
baseline
▲ 0.50% · 4.625%
HK$108,953
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,996/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,975
−HK$6,457/mo
▼ 0.25% · 3.875%
HK$106,178
−HK$3,254/mo
Today · 4.125%
HK$109,432
baseline
▲ 0.50% · 4.625%
HK$116,091
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,864/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,558
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,631
−HK$3,117/mo
Today · 4.125%
HK$120,748
baseline
▲ 0.50% · 4.625%
HK$127,112
+HK$6,364/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,496/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,396
−HK$8,302/mo
▼ 0.25% · 3.875%
HK$136,514
−HK$4,184/mo
Today · 4.125%
HK$140,698
baseline
▲ 0.50% · 4.625%
HK$149,260
+HK$8,562/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,396/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,289
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,240
−HK$4,007/mo
Today · 4.125%
HK$155,247
baseline
▲ 0.50% · 4.625%
HK$163,430
+HK$8,183/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,494/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,907 · Scale 2, in force from 26 Feb 2026)