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$73,798
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,093
−HK$2,333/mo
Today · 4.125%
HK$78,426
baseline
▲ 0.50% · 4.625%
HK$83,198
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,852/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,099
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,301
−HK$2,234/mo
Today · 4.125%
HK$86,535
baseline
▲ 0.50% · 4.625%
HK$91,096
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,070/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,557
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,312
−HK$2,799/mo
Today · 4.125%
HK$94,111
baseline
▲ 0.50% · 4.625%
HK$99,837
+HK$5,726/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,222/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,519
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,161
−HK$2,681/mo
Today · 4.125%
HK$103,842
baseline
▲ 0.50% · 4.625%
HK$109,315
+HK$5,473/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,684/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,317
−HK$6,479/mo
▼ 0.25% · 3.875%
HK$106,531
−HK$3,265/mo
Today · 4.125%
HK$109,796
baseline
▲ 0.50% · 4.625%
HK$116,477
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,592/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,939
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,022
−HK$3,127/mo
Today · 4.125%
HK$121,149
baseline
▲ 0.50% · 4.625%
HK$127,535
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,298/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,836
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,968
−HK$4,198/mo
Today · 4.125%
HK$141,166
baseline
▲ 0.50% · 4.625%
HK$149,756
+HK$8,590/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,332/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,779
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,742
−HK$4,021/mo
Today · 4.125%
HK$155,763
baseline
▲ 0.50% · 4.625%
HK$163,973
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,526/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,462 · Scale 2, in force from 26 Feb 2026)