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$73,711
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,004
−HK$2,330/mo
Today · 4.125%
HK$78,334
baseline
▲ 0.50% · 4.625%
HK$83,100
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,668/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,003
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,202
−HK$2,232/mo
Today · 4.125%
HK$86,434
baseline
▲ 0.50% · 4.625%
HK$90,990
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,868/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,454
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,205
−HK$2,796/mo
Today · 4.125%
HK$94,001
baseline
▲ 0.50% · 4.625%
HK$99,720
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,002/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,404
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,043
−HK$2,677/mo
Today · 4.125%
HK$103,720
baseline
▲ 0.50% · 4.625%
HK$109,188
+HK$5,468/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,440/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,196
−HK$6,471/mo
▼ 0.25% · 3.875%
HK$106,406
−HK$3,261/mo
Today · 4.125%
HK$109,667
baseline
▲ 0.50% · 4.625%
HK$116,340
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,334/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,804
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,883
−HK$3,124/mo
Today · 4.125%
HK$121,007
baseline
▲ 0.50% · 4.625%
HK$127,385
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,014/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,681
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$136,808
−HK$4,193/mo
Today · 4.125%
HK$141,001
baseline
▲ 0.50% · 4.625%
HK$149,580
+HK$8,579/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$282,002/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,606
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,564
−HK$4,016/mo
Today · 4.125%
HK$155,580
baseline
▲ 0.50% · 4.625%
HK$163,781
+HK$8,201/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,160/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,852 · Scale 2, in force from 26 Feb 2026)