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$73,717
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,010
−HK$2,329/mo
Today · 4.125%
HK$78,339
baseline
▲ 0.50% · 4.625%
HK$83,106
+HK$4,767/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,678/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,009
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,208
−HK$2,232/mo
Today · 4.125%
HK$86,440
baseline
▲ 0.50% · 4.625%
HK$90,996
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,880/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,460
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,211
−HK$2,796/mo
Today · 4.125%
HK$94,007
baseline
▲ 0.50% · 4.625%
HK$99,727
+HK$5,720/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$188,014/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,411
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,050
−HK$2,677/mo
Today · 4.125%
HK$103,727
baseline
▲ 0.50% · 4.625%
HK$109,195
+HK$5,468/mo
Deposit HK$12.93M · loan HK$19.40M · min. income ≈ HK$207,454/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,203
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$106,413
−HK$3,262/mo
Today · 4.125%
HK$109,675
baseline
▲ 0.50% · 4.625%
HK$116,348
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,350/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,812
−HK$6,203/mo
▼ 0.25% · 3.875%
HK$117,892
−HK$3,123/mo
Today · 4.125%
HK$121,015
baseline
▲ 0.50% · 4.625%
HK$127,394
+HK$6,379/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$242,030/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,690
−HK$8,321/mo
▼ 0.25% · 3.875%
HK$136,817
−HK$4,194/mo
Today · 4.125%
HK$141,011
baseline
▲ 0.50% · 4.625%
HK$149,591
+HK$8,580/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$282,022/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,616
−HK$7,975/mo
▼ 0.25% · 3.875%
HK$151,575
−HK$4,016/mo
Today · 4.125%
HK$155,591
baseline
▲ 0.50% · 4.625%
HK$163,793
+HK$8,202/mo
Deposit HK$3.23M · loan HK$29.10M · min. income ≈ HK$311,182/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,948 · Scale 2, in force from 26 Feb 2026)