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$73,719
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,012
−HK$2,329/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,231/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$90,998
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,462
−HK$5,548/mo
▼ 0.25% · 3.875%
HK$91,214
−HK$2,796/mo
Today · 4.125%
HK$94,010
baseline
▲ 0.50% · 4.625%
HK$99,730
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,020/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,413
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,053
−HK$2,677/mo
Today · 4.125%
HK$103,730
baseline
▲ 0.50% · 4.625%
HK$109,198
+HK$5,468/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,460/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,206
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,416
−HK$3,262/mo
Today · 4.125%
HK$109,678
baseline
▲ 0.50% · 4.625%
HK$116,352
+HK$6,674/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,356/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,816
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,895
−HK$3,124/mo
Today · 4.125%
HK$121,019
baseline
▲ 0.50% · 4.625%
HK$127,398
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,038/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,693
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,821
−HK$4,193/mo
Today · 4.125%
HK$141,014
baseline
▲ 0.50% · 4.625%
HK$149,595
+HK$8,581/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,028/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,620
−HK$7,976/mo
▼ 0.25% · 3.875%
HK$151,579
−HK$4,017/mo
Today · 4.125%
HK$155,596
baseline
▲ 0.50% · 4.625%
HK$163,797
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,192/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,986 · Scale 2, in force from 26 Feb 2026)