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$73,679
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,970
−HK$2,329/mo
Today · 4.125%
HK$78,299
baseline
▲ 0.50% · 4.625%
HK$83,063
+HK$4,764/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,598/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,967
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,165
−HK$2,230/mo
Today · 4.125%
HK$86,395
baseline
▲ 0.50% · 4.625%
HK$90,949
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,790/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,414
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,165
−HK$2,794/mo
Today · 4.125%
HK$93,959
baseline
▲ 0.50% · 4.625%
HK$99,676
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,918/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,360
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,998
−HK$2,676/mo
Today · 4.125%
HK$103,674
baseline
▲ 0.50% · 4.625%
HK$109,139
+HK$5,465/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,348/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,150
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,359
−HK$3,259/mo
Today · 4.125%
HK$109,618
baseline
▲ 0.50% · 4.625%
HK$116,288
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,236/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,753
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,831
−HK$3,122/mo
Today · 4.125%
HK$120,953
baseline
▲ 0.50% · 4.625%
HK$127,329
+HK$6,376/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,906/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,621
−HK$8,317/mo
▼ 0.25% · 3.875%
HK$136,747
−HK$4,191/mo
Today · 4.125%
HK$140,938
baseline
▲ 0.50% · 4.625%
HK$149,514
+HK$8,576/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,876/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,540
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,497
−HK$4,014/mo
Today · 4.125%
HK$155,511
baseline
▲ 0.50% · 4.625%
HK$163,708
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,022/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,241 · Scale 2, in force from 26 Feb 2026)