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$73,703
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,996
−HK$2,329/mo
Today · 4.125%
HK$78,325
baseline
▲ 0.50% · 4.625%
HK$83,091
+HK$4,766/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,650/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,994
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,193
−HK$2,231/mo
Today · 4.125%
HK$86,424
baseline
▲ 0.50% · 4.625%
HK$90,980
+HK$4,556/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,848/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,444
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,195
−HK$2,795/mo
Today · 4.125%
HK$93,990
baseline
▲ 0.50% · 4.625%
HK$99,709
+HK$5,719/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$187,980/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,393
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,032
−HK$2,677/mo
Today · 4.125%
HK$103,709
baseline
▲ 0.50% · 4.625%
HK$109,176
+HK$5,467/mo
Deposit HK$12.93M · loan HK$19.39M · min. income ≈ HK$207,418/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,185
−HK$6,470/mo
▼ 0.25% · 3.875%
HK$106,394
−HK$3,261/mo
Today · 4.125%
HK$109,655
baseline
▲ 0.50% · 4.625%
HK$116,328
+HK$6,673/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$219,310/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,792
−HK$6,202/mo
▼ 0.25% · 3.875%
HK$117,871
−HK$3,123/mo
Today · 4.125%
HK$120,994
baseline
▲ 0.50% · 4.625%
HK$127,372
+HK$6,378/mo
Deposit HK$9.70M · loan HK$22.63M · min. income ≈ HK$241,988/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,666
−HK$8,320/mo
▼ 0.25% · 3.875%
HK$136,793
−HK$4,193/mo
Today · 4.125%
HK$140,986
baseline
▲ 0.50% · 4.625%
HK$149,564
+HK$8,578/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$281,972/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,590
−HK$7,974/mo
▼ 0.25% · 3.875%
HK$151,548
−HK$4,016/mo
Today · 4.125%
HK$155,564
baseline
▲ 0.50% · 4.625%
HK$163,764
+HK$8,200/mo
Deposit HK$3.23M · loan HK$29.09M · min. income ≈ HK$311,128/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,373,704 · Scale 2, in force from 26 Feb 2026)