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$73,608
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,898
−HK$2,326/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,984
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,888
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,084
−HK$2,228/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,329
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,077
−HK$2,792/mo
Today · 4.125%
HK$93,869
baseline
▲ 0.50% · 4.625%
HK$99,580
+HK$5,711/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,738/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,266
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,901
−HK$2,674/mo
Today · 4.125%
HK$103,575
baseline
▲ 0.50% · 4.625%
HK$109,034
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,150/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,051
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,257
−HK$3,256/mo
Today · 4.125%
HK$109,513
baseline
▲ 0.50% · 4.625%
HK$116,177
+HK$6,664/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$219,026/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,643
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,718
−HK$3,119/mo
Today · 4.125%
HK$120,837
baseline
▲ 0.50% · 4.625%
HK$127,207
+HK$6,370/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$241,674/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,494
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,616
−HK$4,187/mo
Today · 4.125%
HK$140,803
baseline
▲ 0.50% · 4.625%
HK$149,370
+HK$8,567/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,606/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,399
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,352
−HK$4,010/mo
Today · 4.125%
HK$155,362
baseline
▲ 0.50% · 4.625%
HK$163,551
+HK$8,189/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,724/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,923 · Scale 2, in force from 26 Feb 2026)