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$73,508
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,794
−HK$2,323/mo
Today · 4.125%
HK$78,117
baseline
▲ 0.50% · 4.625%
HK$82,871
+HK$4,754/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,234/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,777
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,970
−HK$2,225/mo
Today · 4.125%
HK$86,195
baseline
▲ 0.50% · 4.625%
HK$90,738
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,390/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,209
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,953
−HK$2,788/mo
Today · 4.125%
HK$93,741
baseline
▲ 0.50% · 4.625%
HK$99,445
+HK$5,704/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,482/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,132
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,764
−HK$2,670/mo
Today · 4.125%
HK$103,434
baseline
▲ 0.50% · 4.625%
HK$108,886
+HK$5,452/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,868/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,911
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,112
−HK$3,252/mo
Today · 4.125%
HK$109,364
baseline
▲ 0.50% · 4.625%
HK$116,019
+HK$6,655/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,728/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,487
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$117,558
−HK$3,115/mo
Today · 4.125%
HK$120,673
baseline
▲ 0.50% · 4.625%
HK$127,034
+HK$6,361/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,346/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,314
−HK$8,297/mo
▼ 0.25% · 3.875%
HK$136,430
−HK$4,181/mo
Today · 4.125%
HK$140,611
baseline
▲ 0.50% · 4.625%
HK$149,167
+HK$8,556/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,222/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,198
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$151,146
−HK$4,005/mo
Today · 4.125%
HK$155,151
baseline
▲ 0.50% · 4.625%
HK$163,329
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,302/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,370,057 · Scale 2, in force from 26 Feb 2026)