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$73,689
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,981
−HK$2,329/mo
Today · 4.125%
HK$78,310
baseline
▲ 0.50% · 4.625%
HK$83,075
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,620/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,978
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,177
−HK$2,230/mo
Today · 4.125%
HK$86,407
baseline
▲ 0.50% · 4.625%
HK$90,962
+HK$4,555/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,814/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,426
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,177
−HK$2,795/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$99,689
+HK$5,717/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,374
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,012
−HK$2,676/mo
Today · 4.125%
HK$103,688
baseline
▲ 0.50% · 4.625%
HK$109,154
+HK$5,466/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,376/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,164
−HK$6,469/mo
▼ 0.25% · 3.875%
HK$106,373
−HK$3,260/mo
Today · 4.125%
HK$109,633
baseline
▲ 0.50% · 4.625%
HK$116,304
+HK$6,671/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,266/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,769
−HK$6,201/mo
▼ 0.25% · 3.875%
HK$117,847
−HK$3,123/mo
Today · 4.125%
HK$120,970
baseline
▲ 0.50% · 4.625%
HK$127,346
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,940/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,640
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,766
−HK$4,191/mo
Today · 4.125%
HK$140,957
baseline
▲ 0.50% · 4.625%
HK$149,534
+HK$8,577/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,914/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,560
−HK$7,973/mo
▼ 0.25% · 3.875%
HK$151,518
−HK$4,015/mo
Today · 4.125%
HK$155,533
baseline
▲ 0.50% · 4.625%
HK$163,731
+HK$8,198/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,066/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,429 · Scale 2, in force from 26 Feb 2026)