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$73,677
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,969
−HK$2,328/mo
Today · 4.125%
HK$78,297
baseline
▲ 0.50% · 4.625%
HK$83,062
+HK$4,765/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$156,594/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,965
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,163
−HK$2,230/mo
Today · 4.125%
HK$86,393
baseline
▲ 0.50% · 4.625%
HK$90,947
+HK$4,554/mo
Deposit HK$16.16M · loan HK$16.16M · min. income ≈ HK$172,786/mo (50% DSR)
Upfront cash ≈ HK$17.53M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,413
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,163
−HK$2,794/mo
Today · 4.125%
HK$93,957
baseline
▲ 0.50% · 4.625%
HK$99,674
+HK$5,717/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$187,914/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,358
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,996
−HK$2,676/mo
Today · 4.125%
HK$103,672
baseline
▲ 0.50% · 4.625%
HK$109,137
+HK$5,465/mo
Deposit HK$12.92M · loan HK$19.39M · min. income ≈ HK$207,344/mo (50% DSR)
Upfront cash ≈ HK$14.30M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,148
−HK$6,468/mo
▼ 0.25% · 3.875%
HK$106,357
−HK$3,259/mo
Today · 4.125%
HK$109,616
baseline
▲ 0.50% · 4.625%
HK$116,286
+HK$6,670/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$219,232/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,751
−HK$6,200/mo
▼ 0.25% · 3.875%
HK$117,829
−HK$3,122/mo
Today · 4.125%
HK$120,951
baseline
▲ 0.50% · 4.625%
HK$127,326
+HK$6,375/mo
Deposit HK$9.69M · loan HK$22.62M · min. income ≈ HK$241,902/mo (50% DSR)
Upfront cash ≈ HK$11.07M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,619
−HK$8,316/mo
▼ 0.25% · 3.875%
HK$136,744
−HK$4,191/mo
Today · 4.125%
HK$140,935
baseline
▲ 0.50% · 4.625%
HK$149,511
+HK$8,576/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$281,870/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,537
−HK$7,971/mo
▼ 0.25% · 3.875%
HK$151,494
−HK$4,014/mo
Today · 4.125%
HK$155,508
baseline
▲ 0.50% · 4.625%
HK$163,705
+HK$8,197/mo
Deposit HK$3.23M · loan HK$29.08M · min. income ≈ HK$311,016/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,373,214 · Scale 2, in force from 26 Feb 2026)