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$73,603
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,893
−HK$2,326/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,978
+HK$4,759/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,883
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,079
−HK$2,228/mo
Today · 4.125%
HK$86,307
baseline
▲ 0.50% · 4.625%
HK$90,856
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,614/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,324
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,071
−HK$2,792/mo
Today · 4.125%
HK$93,863
baseline
▲ 0.50% · 4.625%
HK$99,574
+HK$5,711/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,726/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,259
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,895
−HK$2,673/mo
Today · 4.125%
HK$103,568
baseline
▲ 0.50% · 4.625%
HK$109,027
+HK$5,459/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,136/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,044
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,250
−HK$3,256/mo
Today · 4.125%
HK$109,506
baseline
▲ 0.50% · 4.625%
HK$116,169
+HK$6,663/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$219,012/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,636
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$117,710
−HK$3,119/mo
Today · 4.125%
HK$120,829
baseline
▲ 0.50% · 4.625%
HK$127,198
+HK$6,369/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,658/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,486
−HK$8,308/mo
▼ 0.25% · 3.875%
HK$136,607
−HK$4,187/mo
Today · 4.125%
HK$140,794
baseline
▲ 0.50% · 4.625%
HK$149,361
+HK$8,567/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,588/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,389
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,342
−HK$4,010/mo
Today · 4.125%
HK$155,352
baseline
▲ 0.50% · 4.625%
HK$163,541
+HK$8,189/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,704/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,836 · Scale 2, in force from 26 Feb 2026)