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$73,563
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,851
−HK$2,325/mo
Today · 4.125%
HK$78,176
baseline
▲ 0.50% · 4.625%
HK$82,932
+HK$4,756/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$156,352/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,838
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,033
−HK$2,226/mo
Today · 4.125%
HK$86,259
baseline
▲ 0.50% · 4.625%
HK$90,806
+HK$4,547/mo
Deposit HK$16.13M · loan HK$16.13M · min. income ≈ HK$172,518/mo (50% DSR)
Upfront cash ≈ HK$17.50M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,275
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,021
−HK$2,790/mo
Today · 4.125%
HK$93,811
baseline
▲ 0.50% · 4.625%
HK$99,519
+HK$5,708/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$187,622/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,205
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,839
−HK$2,672/mo
Today · 4.125%
HK$103,511
baseline
▲ 0.50% · 4.625%
HK$108,967
+HK$5,456/mo
Deposit HK$12.90M · loan HK$19.36M · min. income ≈ HK$207,022/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,988
−HK$6,458/mo
▼ 0.25% · 3.875%
HK$106,191
−HK$3,255/mo
Today · 4.125%
HK$109,446
baseline
▲ 0.50% · 4.625%
HK$116,105
+HK$6,659/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$218,892/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,573
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$117,646
−HK$3,117/mo
Today · 4.125%
HK$120,763
baseline
▲ 0.50% · 4.625%
HK$127,128
+HK$6,365/mo
Deposit HK$9.68M · loan HK$22.58M · min. income ≈ HK$241,526/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,413
−HK$8,303/mo
▼ 0.25% · 3.875%
HK$136,532
−HK$4,184/mo
Today · 4.125%
HK$140,716
baseline
▲ 0.50% · 4.625%
HK$149,278
+HK$8,562/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$281,432/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,308
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$151,259
−HK$4,007/mo
Today · 4.125%
HK$155,266
baseline
▲ 0.50% · 4.625%
HK$163,451
+HK$8,185/mo
Deposit HK$3.23M · loan HK$29.03M · min. income ≈ HK$310,532/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,080 · Scale 2, in force from 26 Feb 2026)