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$73,564
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,852
−HK$2,325/mo
Today · 4.125%
HK$78,177
baseline
▲ 0.50% · 4.625%
HK$82,934
+HK$4,757/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,354/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,839
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,034
−HK$2,227/mo
Today · 4.125%
HK$86,261
baseline
▲ 0.50% · 4.625%
HK$90,808
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,522/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,277
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,023
−HK$2,790/mo
Today · 4.125%
HK$93,813
baseline
▲ 0.50% · 4.625%
HK$99,521
+HK$5,708/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$187,626/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,207
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,841
−HK$2,672/mo
Today · 4.125%
HK$103,513
baseline
▲ 0.50% · 4.625%
HK$108,969
+HK$5,456/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$207,026/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,990
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,193
−HK$3,255/mo
Today · 4.125%
HK$109,448
baseline
▲ 0.50% · 4.625%
HK$116,108
+HK$6,660/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,896/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,575
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,648
−HK$3,117/mo
Today · 4.125%
HK$120,765
baseline
▲ 0.50% · 4.625%
HK$127,131
+HK$6,366/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,530/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,415
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,534
−HK$4,185/mo
Today · 4.125%
HK$140,719
baseline
▲ 0.50% · 4.625%
HK$149,281
+HK$8,562/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,438/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,311
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,261
−HK$4,008/mo
Today · 4.125%
HK$155,269
baseline
▲ 0.50% · 4.625%
HK$163,454
+HK$8,185/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,538/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,105 · Scale 2, in force from 26 Feb 2026)