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$73,474
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,759
−HK$2,322/mo
Today · 4.125%
HK$78,081
baseline
▲ 0.50% · 4.625%
HK$82,832
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,162/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,739
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,931
−HK$2,224/mo
Today · 4.125%
HK$86,155
baseline
▲ 0.50% · 4.625%
HK$90,696
+HK$4,541/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,310/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,169
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,911
−HK$2,786/mo
Today · 4.125%
HK$93,697
baseline
▲ 0.50% · 4.625%
HK$99,399
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,394/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,087
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,717
−HK$2,669/mo
Today · 4.125%
HK$103,386
baseline
▲ 0.50% · 4.625%
HK$108,836
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,772/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,863
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,063
−HK$3,251/mo
Today · 4.125%
HK$109,314
baseline
▲ 0.50% · 4.625%
HK$115,965
+HK$6,651/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,628/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,434
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,503
−HK$3,114/mo
Today · 4.125%
HK$120,617
baseline
▲ 0.50% · 4.625%
HK$126,975
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,234/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,253
−HK$8,293/mo
▼ 0.25% · 3.875%
HK$136,367
−HK$4,179/mo
Today · 4.125%
HK$140,546
baseline
▲ 0.50% · 4.625%
HK$149,098
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,092/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,130
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,076
−HK$4,003/mo
Today · 4.125%
HK$155,079
baseline
▲ 0.50% · 4.625%
HK$163,253
+HK$8,174/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,158/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,423 · Scale 2, in force from 26 Feb 2026)