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$73,536
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,823
−HK$2,324/mo
Today · 4.125%
HK$78,147
baseline
▲ 0.50% · 4.625%
HK$82,902
+HK$4,755/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,294/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,808
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,002
−HK$2,226/mo
Today · 4.125%
HK$86,228
baseline
▲ 0.50% · 4.625%
HK$90,773
+HK$4,545/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,456/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,243
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,988
−HK$2,789/mo
Today · 4.125%
HK$93,777
baseline
▲ 0.50% · 4.625%
HK$99,483
+HK$5,706/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$187,554/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,170
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,802
−HK$2,671/mo
Today · 4.125%
HK$103,473
baseline
▲ 0.50% · 4.625%
HK$108,928
+HK$5,455/mo
Deposit HK$12.90M · loan HK$19.35M · min. income ≈ HK$206,946/mo (50% DSR)
Upfront cash ≈ HK$14.27M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,950
−HK$6,456/mo
▼ 0.25% · 3.875%
HK$106,153
−HK$3,253/mo
Today · 4.125%
HK$109,406
baseline
▲ 0.50% · 4.625%
HK$116,063
+HK$6,657/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$218,812/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,531
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$117,603
−HK$3,116/mo
Today · 4.125%
HK$120,719
baseline
▲ 0.50% · 4.625%
HK$127,082
+HK$6,363/mo
Deposit HK$9.67M · loan HK$22.57M · min. income ≈ HK$241,438/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,365
−HK$8,300/mo
▼ 0.25% · 3.875%
HK$136,482
−HK$4,183/mo
Today · 4.125%
HK$140,665
baseline
▲ 0.50% · 4.625%
HK$149,224
+HK$8,559/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$281,330/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,254
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$151,204
−HK$4,006/mo
Today · 4.125%
HK$155,210
baseline
▲ 0.50% · 4.625%
HK$163,391
+HK$8,181/mo
Deposit HK$3.22M · loan HK$29.02M · min. income ≈ HK$310,420/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,370,582 · Scale 2, in force from 26 Feb 2026)