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$73,496
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,322/mo
Today · 4.125%
HK$78,105
baseline
▲ 0.50% · 4.625%
HK$82,858
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,210/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,764
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,957
−HK$2,225/mo
Today · 4.125%
HK$86,182
baseline
▲ 0.50% · 4.625%
HK$90,724
+HK$4,542/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,364/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,196
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,939
−HK$2,787/mo
Today · 4.125%
HK$93,726
baseline
▲ 0.50% · 4.625%
HK$99,429
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,452/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,117
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,748
−HK$2,670/mo
Today · 4.125%
HK$103,418
baseline
▲ 0.50% · 4.625%
HK$108,869
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,836/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,895
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,096
−HK$3,251/mo
Today · 4.125%
HK$109,347
baseline
▲ 0.50% · 4.625%
HK$116,001
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,694/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,470
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,540
−HK$3,114/mo
Today · 4.125%
HK$120,654
baseline
▲ 0.50% · 4.625%
HK$127,014
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,308/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,294
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,409
−HK$4,181/mo
Today · 4.125%
HK$140,590
baseline
▲ 0.50% · 4.625%
HK$149,144
+HK$8,554/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,180/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,175
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,123
−HK$4,004/mo
Today · 4.125%
HK$155,127
baseline
▲ 0.50% · 4.625%
HK$163,304
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,254/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,846 · Scale 2, in force from 26 Feb 2026)