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$73,799
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,095
−HK$2,332/mo
Today · 4.125%
HK$78,427
baseline
▲ 0.50% · 4.625%
HK$83,199
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,854/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,101
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,303
−HK$2,234/mo
Today · 4.125%
HK$86,537
baseline
▲ 0.50% · 4.625%
HK$91,098
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,074/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,559
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,798/mo
Today · 4.125%
HK$94,112
baseline
▲ 0.50% · 4.625%
HK$99,839
+HK$5,727/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,224/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,521
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,163
−HK$2,681/mo
Today · 4.125%
HK$103,844
baseline
▲ 0.50% · 4.625%
HK$109,318
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,688/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,319
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,533
−HK$3,265/mo
Today · 4.125%
HK$109,798
baseline
▲ 0.50% · 4.625%
HK$116,479
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,596/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,941
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,024
−HK$3,127/mo
Today · 4.125%
HK$121,151
baseline
▲ 0.50% · 4.625%
HK$127,537
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,302/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,839
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,971
−HK$4,198/mo
Today · 4.125%
HK$141,169
baseline
▲ 0.50% · 4.625%
HK$149,758
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,338/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,782
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,745
−HK$4,021/mo
Today · 4.125%
HK$155,766
baseline
▲ 0.50% · 4.625%
HK$163,976
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,532/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,489 · Scale 2, in force from 26 Feb 2026)