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$73,501
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,788
−HK$2,323/mo
Today · 4.125%
HK$78,111
baseline
▲ 0.50% · 4.625%
HK$82,863
+HK$4,752/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,222/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,770
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,963
−HK$2,224/mo
Today · 4.125%
HK$86,187
baseline
▲ 0.50% · 4.625%
HK$90,730
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,374/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,202
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,945
−HK$2,788/mo
Today · 4.125%
HK$93,733
baseline
▲ 0.50% · 4.625%
HK$99,436
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,466/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,124
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,755
−HK$2,670/mo
Today · 4.125%
HK$103,425
baseline
▲ 0.50% · 4.625%
HK$108,877
+HK$5,452/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,850/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,902
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,103
−HK$3,252/mo
Today · 4.125%
HK$109,355
baseline
▲ 0.50% · 4.625%
HK$116,009
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,710/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,477
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,548
−HK$3,114/mo
Today · 4.125%
HK$120,662
baseline
▲ 0.50% · 4.625%
HK$127,023
+HK$6,361/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,324/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,303
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,418
−HK$4,181/mo
Today · 4.125%
HK$140,599
baseline
▲ 0.50% · 4.625%
HK$149,154
+HK$8,555/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,198/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,185
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,133
−HK$4,004/mo
Today · 4.125%
HK$155,137
baseline
▲ 0.50% · 4.625%
HK$163,315
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,274/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,939 · Scale 2, in force from 26 Feb 2026)