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$73,911
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,210
−HK$2,336/mo
Today · 4.125%
HK$78,546
baseline
▲ 0.50% · 4.625%
HK$83,326
+HK$4,780/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,092/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,226
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,431
−HK$2,237/mo
Today · 4.125%
HK$86,668
baseline
▲ 0.50% · 4.625%
HK$91,236
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,336/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,694
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,452
−HK$2,803/mo
Today · 4.125%
HK$94,255
baseline
▲ 0.50% · 4.625%
HK$99,991
+HK$5,736/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$188,510/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,671
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,317
−HK$2,685/mo
Today · 4.125%
HK$104,002
baseline
▲ 0.50% · 4.625%
HK$109,484
+HK$5,482/mo
Deposit HK$12.97M · loan HK$19.45M · min. income ≈ HK$208,004/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,476
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,695
−HK$3,270/mo
Today · 4.125%
HK$109,965
baseline
▲ 0.50% · 4.625%
HK$116,656
+HK$6,691/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,930/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,116
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,203
−HK$3,132/mo
Today · 4.125%
HK$121,335
baseline
▲ 0.50% · 4.625%
HK$127,731
+HK$6,396/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,670/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,040
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,179
−HK$4,204/mo
Today · 4.125%
HK$141,383
baseline
▲ 0.50% · 4.625%
HK$149,986
+HK$8,603/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,766/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,006
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,976
−HK$4,026/mo
Today · 4.125%
HK$156,002
baseline
▲ 0.50% · 4.625%
HK$164,225
+HK$8,223/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$312,004/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,578 · Scale 2, in force from 26 Feb 2026)