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$73,802
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,097
−HK$2,333/mo
Today · 4.125%
HK$78,430
baseline
▲ 0.50% · 4.625%
HK$83,202
+HK$4,772/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,860/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,104
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,306
−HK$2,233/mo
Today · 4.125%
HK$86,539
baseline
▲ 0.50% · 4.625%
HK$91,101
+HK$4,562/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,078/mo (50% DSR)
Upfront cash ≈ HK$17.56M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,562
−HK$5,554/mo
▼ 0.25% · 3.875%
HK$91,317
−HK$2,799/mo
Today · 4.125%
HK$94,116
baseline
▲ 0.50% · 4.625%
HK$99,842
+HK$5,726/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$188,232/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,524
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,167
−HK$2,680/mo
Today · 4.125%
HK$103,847
baseline
▲ 0.50% · 4.625%
HK$109,321
+HK$5,474/mo
Deposit HK$12.95M · loan HK$19.42M · min. income ≈ HK$207,694/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,322
−HK$6,480/mo
▼ 0.25% · 3.875%
HK$106,536
−HK$3,266/mo
Today · 4.125%
HK$109,802
baseline
▲ 0.50% · 4.625%
HK$116,483
+HK$6,681/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$219,604/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,945
−HK$6,210/mo
▼ 0.25% · 3.875%
HK$118,028
−HK$3,127/mo
Today · 4.125%
HK$121,155
baseline
▲ 0.50% · 4.625%
HK$127,542
+HK$6,387/mo
Deposit HK$9.71M · loan HK$22.66M · min. income ≈ HK$242,310/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,843
−HK$8,331/mo
▼ 0.25% · 3.875%
HK$136,975
−HK$4,199/mo
Today · 4.125%
HK$141,174
baseline
▲ 0.50% · 4.625%
HK$149,764
+HK$8,590/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$282,348/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,787
−HK$7,984/mo
▼ 0.25% · 3.875%
HK$151,750
−HK$4,021/mo
Today · 4.125%
HK$155,771
baseline
▲ 0.50% · 4.625%
HK$163,982
+HK$8,211/mo
Deposit HK$3.24M · loan HK$29.13M · min. income ≈ HK$311,542/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,536 · Scale 2, in force from 26 Feb 2026)