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$73,943
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,337/mo
Today · 4.125%
HK$78,580
baseline
▲ 0.50% · 4.625%
HK$83,362
+HK$4,782/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,160/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,261
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,467
−HK$2,239/mo
Today · 4.125%
HK$86,706
baseline
▲ 0.50% · 4.625%
HK$91,276
+HK$4,570/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,412/mo (50% DSR)
Upfront cash ≈ HK$17.59M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,732
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,492
−HK$2,804/mo
Today · 4.125%
HK$94,296
baseline
▲ 0.50% · 4.625%
HK$100,034
+HK$5,738/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,592/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,713
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,361
−HK$2,686/mo
Today · 4.125%
HK$104,047
baseline
▲ 0.50% · 4.625%
HK$109,531
+HK$5,484/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,094/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,521
−HK$6,491/mo
▼ 0.25% · 3.875%
HK$106,741
−HK$3,271/mo
Today · 4.125%
HK$110,012
baseline
▲ 0.50% · 4.625%
HK$116,706
+HK$6,694/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,024/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,166
−HK$6,222/mo
▼ 0.25% · 3.875%
HK$118,254
−HK$3,134/mo
Today · 4.125%
HK$121,388
baseline
▲ 0.50% · 4.625%
HK$127,786
+HK$6,398/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,776/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,098
−HK$8,346/mo
▼ 0.25% · 3.875%
HK$137,238
−HK$4,206/mo
Today · 4.125%
HK$141,444
baseline
▲ 0.50% · 4.625%
HK$150,051
+HK$8,607/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$282,888/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,070
−HK$8,000/mo
▼ 0.25% · 3.875%
HK$152,041
−HK$4,029/mo
Today · 4.125%
HK$156,070
baseline
▲ 0.50% · 4.625%
HK$164,297
+HK$8,227/mo
Deposit HK$3.24M · loan HK$29.18M · min. income ≈ HK$312,140/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,175 · Scale 2, in force from 26 Feb 2026)