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$73,845
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,142
−HK$2,334/mo
Today · 4.125%
HK$78,476
baseline
▲ 0.50% · 4.625%
HK$83,251
+HK$4,775/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,952/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,152
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,355
−HK$2,235/mo
Today · 4.125%
HK$86,590
baseline
▲ 0.50% · 4.625%
HK$91,154
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,180/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,614
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,370
−HK$2,801/mo
Today · 4.125%
HK$94,171
baseline
▲ 0.50% · 4.625%
HK$99,901
+HK$5,730/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,342/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,582
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,226
−HK$2,682/mo
Today · 4.125%
HK$103,908
baseline
▲ 0.50% · 4.625%
HK$109,385
+HK$5,477/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,816/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,383
−HK$6,483/mo
▼ 0.25% · 3.875%
HK$106,599
−HK$3,267/mo
Today · 4.125%
HK$109,866
baseline
▲ 0.50% · 4.625%
HK$116,551
+HK$6,685/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,732/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,012
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,097
−HK$3,129/mo
Today · 4.125%
HK$121,226
baseline
▲ 0.50% · 4.625%
HK$127,616
+HK$6,390/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,452/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,921
−HK$8,335/mo
▼ 0.25% · 3.875%
HK$137,055
−HK$4,201/mo
Today · 4.125%
HK$141,256
baseline
▲ 0.50% · 4.625%
HK$149,851
+HK$8,595/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,512/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,873
−HK$7,989/mo
▼ 0.25% · 3.875%
HK$151,839
−HK$4,023/mo
Today · 4.125%
HK$155,862
baseline
▲ 0.50% · 4.625%
HK$164,078
+HK$8,216/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,724/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,340 · Scale 2, in force from 26 Feb 2026)