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$73,773
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,068
−HK$2,332/mo
Today · 4.125%
HK$78,400
baseline
▲ 0.50% · 4.625%
HK$83,170
+HK$4,770/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,800/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,072
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,273
−HK$2,233/mo
Today · 4.125%
HK$86,506
baseline
▲ 0.50% · 4.625%
HK$91,066
+HK$4,560/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,012/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,528
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,282
−HK$2,798/mo
Today · 4.125%
HK$94,080
baseline
▲ 0.50% · 4.625%
HK$99,804
+HK$5,724/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,160/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,487
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,128
−HK$2,680/mo
Today · 4.125%
HK$103,808
baseline
▲ 0.50% · 4.625%
HK$109,279
+HK$5,471/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,616/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,283
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,495
−HK$3,265/mo
Today · 4.125%
HK$109,760
baseline
▲ 0.50% · 4.625%
HK$116,438
+HK$6,678/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,520/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,901
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,983
−HK$3,126/mo
Today · 4.125%
HK$121,109
baseline
▲ 0.50% · 4.625%
HK$127,493
+HK$6,384/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,218/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,792
−HK$8,327/mo
▼ 0.25% · 3.875%
HK$136,923
−HK$4,196/mo
Today · 4.125%
HK$141,119
baseline
▲ 0.50% · 4.625%
HK$149,706
+HK$8,587/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,238/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,730
−HK$7,981/mo
▼ 0.25% · 3.875%
HK$151,692
−HK$4,019/mo
Today · 4.125%
HK$155,711
baseline
▲ 0.50% · 4.625%
HK$163,919
+HK$8,208/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,422/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,008 · Scale 2, in force from 26 Feb 2026)