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$73,795
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,091
−HK$2,332/mo
Today · 4.125%
HK$78,423
baseline
▲ 0.50% · 4.625%
HK$83,195
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,846/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,097
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,299
−HK$2,233/mo
Today · 4.125%
HK$86,532
baseline
▲ 0.50% · 4.625%
HK$91,093
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,064/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,555
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,309
−HK$2,799/mo
Today · 4.125%
HK$94,108
baseline
▲ 0.50% · 4.625%
HK$99,834
+HK$5,726/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,216/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,516
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,158
−HK$2,681/mo
Today · 4.125%
HK$103,839
baseline
▲ 0.50% · 4.625%
HK$109,312
+HK$5,473/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,678/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,314
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,527
−HK$3,265/mo
Today · 4.125%
HK$109,792
baseline
▲ 0.50% · 4.625%
HK$116,473
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,584/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,935
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,018
−HK$3,127/mo
Today · 4.125%
HK$121,145
baseline
▲ 0.50% · 4.625%
HK$127,531
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,290/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,832
−HK$8,330/mo
▼ 0.25% · 3.875%
HK$136,964
−HK$4,198/mo
Today · 4.125%
HK$141,162
baseline
▲ 0.50% · 4.625%
HK$149,751
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,324/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,774
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,737
−HK$4,021/mo
Today · 4.125%
HK$155,758
baseline
▲ 0.50% · 4.625%
HK$163,968
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,516/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,419 · Scale 2, in force from 26 Feb 2026)