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$73,631
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,922
−HK$2,327/mo
Today · 4.125%
HK$78,249
baseline
▲ 0.50% · 4.625%
HK$83,010
+HK$4,761/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,498/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,914
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,111
−HK$2,229/mo
Today · 4.125%
HK$86,340
baseline
▲ 0.50% · 4.625%
HK$90,891
+HK$4,551/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,680/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,358
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,106
−HK$2,792/mo
Today · 4.125%
HK$93,898
baseline
▲ 0.50% · 4.625%
HK$99,612
+HK$5,714/mo
Deposit HK$12.92M · loan HK$19.37M · min. income ≈ HK$187,796/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,297
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,933
−HK$2,675/mo
Today · 4.125%
HK$103,608
baseline
▲ 0.50% · 4.625%
HK$109,069
+HK$5,461/mo
Deposit HK$12.92M · loan HK$19.37M · min. income ≈ HK$207,216/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,084
−HK$6,464/mo
▼ 0.25% · 3.875%
HK$106,290
−HK$3,258/mo
Today · 4.125%
HK$109,548
baseline
▲ 0.50% · 4.625%
HK$116,214
+HK$6,666/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,096/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,680
−HK$6,196/mo
▼ 0.25% · 3.875%
HK$117,755
−HK$3,121/mo
Today · 4.125%
HK$120,876
baseline
▲ 0.50% · 4.625%
HK$127,247
+HK$6,371/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,752/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,536
−HK$8,312/mo
▼ 0.25% · 3.875%
HK$136,659
−HK$4,189/mo
Today · 4.125%
HK$140,848
baseline
▲ 0.50% · 4.625%
HK$149,418
+HK$8,570/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,696/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,445
−HK$7,967/mo
▼ 0.25% · 3.875%
HK$151,400
−HK$4,012/mo
Today · 4.125%
HK$155,412
baseline
▲ 0.50% · 4.625%
HK$163,603
+HK$8,191/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,824/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,361 · Scale 2, in force from 26 Feb 2026)