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$73,584
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,873
−HK$2,325/mo
Today · 4.125%
HK$78,198
baseline
▲ 0.50% · 4.625%
HK$82,956
+HK$4,758/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,396/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,861
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,057
−HK$2,227/mo
Today · 4.125%
HK$86,284
baseline
▲ 0.50% · 4.625%
HK$90,832
+HK$4,548/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,568/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,300
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,047
−HK$2,791/mo
Today · 4.125%
HK$93,838
baseline
▲ 0.50% · 4.625%
HK$99,547
+HK$5,709/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,676/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,233
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,868
−HK$2,673/mo
Today · 4.125%
HK$103,541
baseline
▲ 0.50% · 4.625%
HK$108,998
+HK$5,457/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,082/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,017
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,222
−HK$3,255/mo
Today · 4.125%
HK$109,477
baseline
▲ 0.50% · 4.625%
HK$116,139
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,954/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,605
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,679
−HK$3,118/mo
Today · 4.125%
HK$120,797
baseline
▲ 0.50% · 4.625%
HK$127,165
+HK$6,368/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,594/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,451
−HK$8,305/mo
▼ 0.25% · 3.875%
HK$136,571
−HK$4,185/mo
Today · 4.125%
HK$140,756
baseline
▲ 0.50% · 4.625%
HK$149,321
+HK$8,565/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,512/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,350
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,302
−HK$4,009/mo
Today · 4.125%
HK$155,311
baseline
▲ 0.50% · 4.625%
HK$163,497
+HK$8,186/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,622/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,471 · Scale 2, in force from 26 Feb 2026)