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$73,481
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,767
−HK$2,322/mo
Today · 4.125%
HK$78,089
baseline
▲ 0.50% · 4.625%
HK$82,840
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,178/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,747
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,939
−HK$2,224/mo
Today · 4.125%
HK$86,163
baseline
▲ 0.50% · 4.625%
HK$90,705
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,326/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,177
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,920
−HK$2,787/mo
Today · 4.125%
HK$93,707
baseline
▲ 0.50% · 4.625%
HK$99,408
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,414/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,096
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,727
−HK$2,669/mo
Today · 4.125%
HK$103,396
baseline
▲ 0.50% · 4.625%
HK$108,846
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,792/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,873
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,073
−HK$3,251/mo
Today · 4.125%
HK$109,324
baseline
▲ 0.50% · 4.625%
HK$115,977
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,648/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,446
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,515
−HK$3,114/mo
Today · 4.125%
HK$120,629
baseline
▲ 0.50% · 4.625%
HK$126,987
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,258/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,266
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,380
−HK$4,180/mo
Today · 4.125%
HK$140,560
baseline
▲ 0.50% · 4.625%
HK$149,113
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,120/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,144
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,091
−HK$4,003/mo
Today · 4.125%
HK$155,094
baseline
▲ 0.50% · 4.625%
HK$163,269
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,188/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,557 · Scale 2, in force from 26 Feb 2026)