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$73,835
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,131
−HK$2,334/mo
Today · 4.125%
HK$78,465
baseline
▲ 0.50% · 4.625%
HK$83,239
+HK$4,774/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,930/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,140
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,343
−HK$2,235/mo
Today · 4.125%
HK$86,578
baseline
▲ 0.50% · 4.625%
HK$91,142
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,156/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,602
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,358
−HK$2,800/mo
Today · 4.125%
HK$94,158
baseline
▲ 0.50% · 4.625%
HK$99,887
+HK$5,729/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,316/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,568
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,212
−HK$2,682/mo
Today · 4.125%
HK$103,894
baseline
▲ 0.50% · 4.625%
HK$109,370
+HK$5,476/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,788/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,369
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,584
−HK$3,267/mo
Today · 4.125%
HK$109,851
baseline
▲ 0.50% · 4.625%
HK$116,535
+HK$6,684/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$219,702/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,996
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,081
−HK$3,128/mo
Today · 4.125%
HK$121,209
baseline
▲ 0.50% · 4.625%
HK$127,598
+HK$6,389/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$242,418/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,902
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,036
−HK$4,201/mo
Today · 4.125%
HK$141,237
baseline
▲ 0.50% · 4.625%
HK$149,830
+HK$8,593/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,474/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,853
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,818
−HK$4,023/mo
Today · 4.125%
HK$155,841
baseline
▲ 0.50% · 4.625%
HK$164,055
+HK$8,214/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,682/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,150 · Scale 2, in force from 26 Feb 2026)