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$73,656
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,947
−HK$2,328/mo
Today · 4.125%
HK$78,275
baseline
▲ 0.50% · 4.625%
HK$83,037
+HK$4,762/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,550/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,941
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,139
−HK$2,229/mo
Today · 4.125%
HK$86,368
baseline
▲ 0.50% · 4.625%
HK$90,921
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,736/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,387
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,136
−HK$2,794/mo
Today · 4.125%
HK$93,930
baseline
▲ 0.50% · 4.625%
HK$99,645
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,860/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,330
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,967
−HK$2,675/mo
Today · 4.125%
HK$103,642
baseline
▲ 0.50% · 4.625%
HK$109,105
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,284/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,118
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,326
−HK$3,258/mo
Today · 4.125%
HK$109,584
baseline
▲ 0.50% · 4.625%
HK$116,252
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,168/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,718
−HK$6,198/mo
▼ 0.25% · 3.875%
HK$117,795
−HK$3,121/mo
Today · 4.125%
HK$120,916
baseline
▲ 0.50% · 4.625%
HK$127,289
+HK$6,373/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,832/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,580
−HK$8,314/mo
▼ 0.25% · 3.875%
HK$136,704
−HK$4,190/mo
Today · 4.125%
HK$140,894
baseline
▲ 0.50% · 4.625%
HK$149,467
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,788/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,494
−HK$7,969/mo
▼ 0.25% · 3.875%
HK$151,450
−HK$4,013/mo
Today · 4.125%
HK$155,463
baseline
▲ 0.50% · 4.625%
HK$163,658
+HK$8,195/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,926/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,816 · Scale 2, in force from 26 Feb 2026)