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$73,744
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,037
−HK$2,331/mo
Today · 4.125%
HK$78,368
baseline
▲ 0.50% · 4.625%
HK$83,136
+HK$4,768/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$156,736/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,039
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,239
−HK$2,232/mo
Today · 4.125%
HK$86,471
baseline
▲ 0.50% · 4.625%
HK$91,029
+HK$4,558/mo
Deposit HK$16.17M · loan HK$16.17M · min. income ≈ HK$172,942/mo (50% DSR)
Upfront cash ≈ HK$17.54M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,492
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,245
−HK$2,797/mo
Today · 4.125%
HK$94,042
baseline
▲ 0.50% · 4.625%
HK$99,764
+HK$5,722/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$188,084/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,447
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,087
−HK$2,679/mo
Today · 4.125%
HK$103,766
baseline
▲ 0.50% · 4.625%
HK$109,235
+HK$5,469/mo
Deposit HK$12.94M · loan HK$19.40M · min. income ≈ HK$207,532/mo (50% DSR)
Upfront cash ≈ HK$14.31M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,241
−HK$6,474/mo
▼ 0.25% · 3.875%
HK$106,452
−HK$3,263/mo
Today · 4.125%
HK$109,715
baseline
▲ 0.50% · 4.625%
HK$116,391
+HK$6,676/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$219,430/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,855
−HK$6,205/mo
▼ 0.25% · 3.875%
HK$117,935
−HK$3,125/mo
Today · 4.125%
HK$121,060
baseline
▲ 0.50% · 4.625%
HK$127,441
+HK$6,381/mo
Deposit HK$9.70M · loan HK$22.64M · min. income ≈ HK$242,120/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,738
−HK$8,324/mo
▼ 0.25% · 3.875%
HK$136,867
−HK$4,195/mo
Today · 4.125%
HK$141,062
baseline
▲ 0.50% · 4.625%
HK$149,646
+HK$8,584/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$282,124/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,670
−HK$7,978/mo
▼ 0.25% · 3.875%
HK$151,631
−HK$4,017/mo
Today · 4.125%
HK$155,648
baseline
▲ 0.50% · 4.625%
HK$163,853
+HK$8,205/mo
Deposit HK$3.23M · loan HK$29.11M · min. income ≈ HK$311,296/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,374,452 · Scale 2, in force from 26 Feb 2026)