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$73,706
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,998
−HK$2,330/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$83,094
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,997
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,196
−HK$2,231/mo
Today · 4.125%
HK$86,427
baseline
▲ 0.50% · 4.625%
HK$90,982
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,854/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,447
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,198
−HK$2,795/mo
Today · 4.125%
HK$93,993
baseline
▲ 0.50% · 4.625%
HK$99,712
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,986/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,396
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,035
−HK$2,677/mo
Today · 4.125%
HK$103,712
baseline
▲ 0.50% · 4.625%
HK$109,179
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,424/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,188
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,398
−HK$3,261/mo
Today · 4.125%
HK$109,659
baseline
▲ 0.50% · 4.625%
HK$116,331
+HK$6,672/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,318/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,795
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,874
−HK$3,123/mo
Today · 4.125%
HK$120,997
baseline
▲ 0.50% · 4.625%
HK$127,375
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$241,994/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,670
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$136,797
−HK$4,193/mo
Today · 4.125%
HK$140,990
baseline
▲ 0.50% · 4.625%
HK$149,568
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,980/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,594
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,552
−HK$4,016/mo
Today · 4.125%
HK$155,568
baseline
▲ 0.50% · 4.625%
HK$163,768
+HK$8,200/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,136/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,744 · Scale 2, in force from 26 Feb 2026)