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$73,800
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,095
−HK$2,333/mo
Today · 4.125%
HK$78,428
baseline
▲ 0.50% · 4.625%
HK$83,200
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,856/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,101
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,303
−HK$2,234/mo
Today · 4.125%
HK$86,537
baseline
▲ 0.50% · 4.625%
HK$91,099
+HK$4,562/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,074/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,560
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,314
−HK$2,799/mo
Today · 4.125%
HK$94,113
baseline
▲ 0.50% · 4.625%
HK$99,840
+HK$5,727/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,226/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,164
−HK$2,680/mo
Today · 4.125%
HK$103,844
baseline
▲ 0.50% · 4.625%
HK$109,318
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,688/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,320
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,533
−HK$3,266/mo
Today · 4.125%
HK$109,799
baseline
▲ 0.50% · 4.625%
HK$116,480
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,598/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,942
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,025
−HK$3,127/mo
Today · 4.125%
HK$121,152
baseline
▲ 0.50% · 4.625%
HK$127,538
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,304/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,839
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,971
−HK$4,199/mo
Today · 4.125%
HK$141,170
baseline
▲ 0.50% · 4.625%
HK$149,759
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,340/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,782
−HK$7,985/mo
▼ 0.25% · 3.875%
HK$151,746
−HK$4,021/mo
Today · 4.125%
HK$155,767
baseline
▲ 0.50% · 4.625%
HK$163,977
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,534/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,497 · Scale 2, in force from 26 Feb 2026)