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$73,566
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,855
−HK$2,325/mo
Today · 4.125%
HK$78,180
baseline
▲ 0.50% · 4.625%
HK$82,937
+HK$4,757/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,360/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,842
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,037
−HK$2,226/mo
Today · 4.125%
HK$86,263
baseline
▲ 0.50% · 4.625%
HK$90,810
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,526/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,280
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,026
−HK$2,789/mo
Today · 4.125%
HK$93,815
baseline
▲ 0.50% · 4.625%
HK$99,524
+HK$5,709/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$187,630/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,210
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,844
−HK$2,672/mo
Today · 4.125%
HK$103,516
baseline
▲ 0.50% · 4.625%
HK$108,973
+HK$5,457/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$207,032/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,993
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,196
−HK$3,255/mo
Today · 4.125%
HK$109,451
baseline
▲ 0.50% · 4.625%
HK$116,111
+HK$6,660/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,902/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,578
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$117,651
−HK$3,118/mo
Today · 4.125%
HK$120,769
baseline
▲ 0.50% · 4.625%
HK$127,135
+HK$6,366/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,538/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,419
−HK$8,304/mo
▼ 0.25% · 3.875%
HK$136,538
−HK$4,185/mo
Today · 4.125%
HK$140,723
baseline
▲ 0.50% · 4.625%
HK$149,286
+HK$8,563/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,446/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,315
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$151,266
−HK$4,008/mo
Today · 4.125%
HK$155,274
baseline
▲ 0.50% · 4.625%
HK$163,459
+HK$8,185/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,548/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,148 · Scale 2, in force from 26 Feb 2026)