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$73,849
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,146
−HK$2,334/mo
Today · 4.125%
HK$78,480
baseline
▲ 0.50% · 4.625%
HK$83,255
+HK$4,775/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,960/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,156
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,359
−HK$2,236/mo
Today · 4.125%
HK$86,595
baseline
▲ 0.50% · 4.625%
HK$91,159
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,190/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,618
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,375
−HK$2,801/mo
Today · 4.125%
HK$94,176
baseline
▲ 0.50% · 4.625%
HK$99,906
+HK$5,730/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,352/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,587
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,231
−HK$2,682/mo
Today · 4.125%
HK$103,913
baseline
▲ 0.50% · 4.625%
HK$109,391
+HK$5,478/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,826/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,388
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,604
−HK$3,268/mo
Today · 4.125%
HK$109,872
baseline
▲ 0.50% · 4.625%
HK$116,557
+HK$6,685/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,744/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,018
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,103
−HK$3,129/mo
Today · 4.125%
HK$121,232
baseline
▲ 0.50% · 4.625%
HK$127,623
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,464/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,928
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,062
−HK$4,201/mo
Today · 4.125%
HK$141,263
baseline
▲ 0.50% · 4.625%
HK$149,859
+HK$8,596/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,526/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,881
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,847
−HK$4,023/mo
Today · 4.125%
HK$155,870
baseline
▲ 0.50% · 4.625%
HK$164,086
+HK$8,216/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,740/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,411 · Scale 2, in force from 26 Feb 2026)