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$73,791
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,086
−HK$2,332/mo
Today · 4.125%
HK$78,418
baseline
▲ 0.50% · 4.625%
HK$83,190
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,836/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,091
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,293
−HK$2,234/mo
Today · 4.125%
HK$86,527
baseline
▲ 0.50% · 4.625%
HK$91,088
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,054/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,549
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,303
−HK$2,799/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,828
+HK$5,726/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,510
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,152
−HK$2,680/mo
Today · 4.125%
HK$103,832
baseline
▲ 0.50% · 4.625%
HK$109,305
+HK$5,473/mo
Deposit HK$12.94M · loan HK$19.42M · min. income ≈ HK$207,664/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,307
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$106,520
−HK$3,265/mo
Today · 4.125%
HK$109,785
baseline
▲ 0.50% · 4.625%
HK$116,465
+HK$6,680/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,570/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,928
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$118,010
−HK$3,127/mo
Today · 4.125%
HK$121,137
baseline
▲ 0.50% · 4.625%
HK$127,523
+HK$6,386/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,274/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,823
−HK$8,329/mo
▼ 0.25% · 3.875%
HK$136,955
−HK$4,197/mo
Today · 4.125%
HK$141,152
baseline
▲ 0.50% · 4.625%
HK$149,741
+HK$8,589/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,304/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,765
−HK$7,983/mo
▼ 0.25% · 3.875%
HK$151,728
−HK$4,020/mo
Today · 4.125%
HK$155,748
baseline
▲ 0.50% · 4.625%
HK$163,958
+HK$8,210/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,496/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,331 · Scale 2, in force from 26 Feb 2026)