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$73,653
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,944
−HK$2,328/mo
Today · 4.125%
HK$78,272
baseline
▲ 0.50% · 4.625%
HK$83,034
+HK$4,762/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,544/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,938
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,136
−HK$2,229/mo
Today · 4.125%
HK$86,365
baseline
▲ 0.50% · 4.625%
HK$90,918
+HK$4,553/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,730/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,384
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,133
−HK$2,793/mo
Today · 4.125%
HK$93,926
baseline
▲ 0.50% · 4.625%
HK$99,641
+HK$5,715/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,852/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,326
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,963
−HK$2,675/mo
Today · 4.125%
HK$103,638
baseline
▲ 0.50% · 4.625%
HK$109,101
+HK$5,463/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,276/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,114
−HK$6,466/mo
▼ 0.25% · 3.875%
HK$106,322
−HK$3,258/mo
Today · 4.125%
HK$109,580
baseline
▲ 0.50% · 4.625%
HK$116,248
+HK$6,668/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,160/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,714
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,790
−HK$3,121/mo
Today · 4.125%
HK$120,911
baseline
▲ 0.50% · 4.625%
HK$127,285
+HK$6,374/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,822/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,576
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,699
−HK$4,190/mo
Today · 4.125%
HK$140,889
baseline
▲ 0.50% · 4.625%
HK$149,462
+HK$8,573/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,778/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,489
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,445
−HK$4,012/mo
Today · 4.125%
HK$155,457
baseline
▲ 0.50% · 4.625%
HK$163,652
+HK$8,195/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,914/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,765 · Scale 2, in force from 26 Feb 2026)