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$73,609
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,899
−HK$2,326/mo
Today · 4.125%
HK$78,225
baseline
▲ 0.50% · 4.625%
HK$82,985
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,450/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,889
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,085
−HK$2,228/mo
Today · 4.125%
HK$86,313
baseline
▲ 0.50% · 4.625%
HK$90,863
+HK$4,550/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,626/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,331
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,078
−HK$2,792/mo
Today · 4.125%
HK$93,870
baseline
▲ 0.50% · 4.625%
HK$99,582
+HK$5,712/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,740/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,267
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,903
−HK$2,673/mo
Today · 4.125%
HK$103,576
baseline
▲ 0.50% · 4.625%
HK$109,036
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,152/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,053
−HK$6,462/mo
▼ 0.25% · 3.875%
HK$106,258
−HK$3,257/mo
Today · 4.125%
HK$109,515
baseline
▲ 0.50% · 4.625%
HK$116,179
+HK$6,664/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$219,030/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,645
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$117,720
−HK$3,119/mo
Today · 4.125%
HK$120,839
baseline
▲ 0.50% · 4.625%
HK$127,208
+HK$6,369/mo
Deposit HK$9.68M · loan HK$22.60M · min. income ≈ HK$241,678/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,496
−HK$8,309/mo
▼ 0.25% · 3.875%
HK$136,618
−HK$4,187/mo
Today · 4.125%
HK$140,805
baseline
▲ 0.50% · 4.625%
HK$149,373
+HK$8,568/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$281,610/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,401
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$151,354
−HK$4,010/mo
Today · 4.125%
HK$155,364
baseline
▲ 0.50% · 4.625%
HK$163,554
+HK$8,190/mo
Deposit HK$3.23M · loan HK$29.05M · min. income ≈ HK$310,728/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,944 · Scale 2, in force from 26 Feb 2026)