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$73,812
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,108
−HK$2,333/mo
Today · 4.125%
HK$78,441
baseline
▲ 0.50% · 4.625%
HK$83,214
+HK$4,773/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,882/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,116
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,318
−HK$2,234/mo
Today · 4.125%
HK$86,552
baseline
▲ 0.50% · 4.625%
HK$91,114
+HK$4,562/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,104/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,575
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,330
−HK$2,799/mo
Today · 4.125%
HK$94,129
baseline
▲ 0.50% · 4.625%
HK$99,857
+HK$5,728/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,258/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,539
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,181
−HK$2,681/mo
Today · 4.125%
HK$103,862
baseline
▲ 0.50% · 4.625%
HK$109,337
+HK$5,475/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,724/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,337
−HK$6,481/mo
▼ 0.25% · 3.875%
HK$106,552
−HK$3,266/mo
Today · 4.125%
HK$109,818
baseline
▲ 0.50% · 4.625%
HK$116,500
+HK$6,682/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,636/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,962
−HK$6,211/mo
▼ 0.25% · 3.875%
HK$118,045
−HK$3,128/mo
Today · 4.125%
HK$121,173
baseline
▲ 0.50% · 4.625%
HK$127,560
+HK$6,387/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,346/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,862
−HK$8,332/mo
▼ 0.25% · 3.875%
HK$136,995
−HK$4,199/mo
Today · 4.125%
HK$141,194
baseline
▲ 0.50% · 4.625%
HK$149,785
+HK$8,591/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,388/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,808
−HK$7,986/mo
▼ 0.25% · 3.875%
HK$151,772
−HK$4,022/mo
Today · 4.125%
HK$155,794
baseline
▲ 0.50% · 4.625%
HK$164,006
+HK$8,212/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,588/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,735 · Scale 2, in force from 26 Feb 2026)