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$73,477
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,762
−HK$2,322/mo
Today · 4.125%
HK$78,084
baseline
▲ 0.50% · 4.625%
HK$82,836
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,168/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,742
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,934
−HK$2,224/mo
Today · 4.125%
HK$86,158
baseline
▲ 0.50% · 4.625%
HK$90,700
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,316/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,172
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,915
−HK$2,786/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$99,403
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,091
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,721
−HK$2,669/mo
Today · 4.125%
HK$103,390
baseline
▲ 0.50% · 4.625%
HK$108,840
+HK$5,450/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,780/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,067
−HK$3,251/mo
Today · 4.125%
HK$109,318
baseline
▲ 0.50% · 4.625%
HK$115,970
+HK$6,652/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,636/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,439
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,508
−HK$3,114/mo
Today · 4.125%
HK$120,622
baseline
▲ 0.50% · 4.625%
HK$126,980
+HK$6,358/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,244/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,258
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,372
−HK$4,180/mo
Today · 4.125%
HK$140,552
baseline
▲ 0.50% · 4.625%
HK$149,104
+HK$8,552/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,104/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,136
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$151,082
−HK$4,003/mo
Today · 4.125%
HK$155,085
baseline
▲ 0.50% · 4.625%
HK$163,260
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,170/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,480 · Scale 2, in force from 26 Feb 2026)