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$73,462
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,321/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,819
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,725
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,917
−HK$2,224/mo
Today · 4.125%
HK$86,141
baseline
▲ 0.50% · 4.625%
HK$90,681
+HK$4,540/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,282/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,154
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,896
−HK$2,786/mo
Today · 4.125%
HK$93,682
baseline
▲ 0.50% · 4.625%
HK$99,382
+HK$5,700/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,364/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,070
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,701
−HK$2,668/mo
Today · 4.125%
HK$103,369
baseline
▲ 0.50% · 4.625%
HK$108,818
+HK$5,449/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,738/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,846
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,045
−HK$3,251/mo
Today · 4.125%
HK$109,296
baseline
▲ 0.50% · 4.625%
HK$115,946
+HK$6,650/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$218,592/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,415
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,484
−HK$3,113/mo
Today · 4.125%
HK$120,597
baseline
▲ 0.50% · 4.625%
HK$126,954
+HK$6,357/mo
Deposit HK$9.66M · loan HK$22.55M · min. income ≈ HK$241,194/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,231
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,344
−HK$4,179/mo
Today · 4.125%
HK$140,523
baseline
▲ 0.50% · 4.625%
HK$149,073
+HK$8,550/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$281,046/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,106
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$151,051
−HK$4,002/mo
Today · 4.125%
HK$155,053
baseline
▲ 0.50% · 4.625%
HK$163,226
+HK$8,173/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,106/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,197 · Scale 2, in force from 26 Feb 2026)