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$73,834
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,131
−HK$2,333/mo
Today · 4.125%
HK$78,464
baseline
▲ 0.50% · 4.625%
HK$83,238
+HK$4,774/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,928/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,140
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,343
−HK$2,234/mo
Today · 4.125%
HK$86,577
baseline
▲ 0.50% · 4.625%
HK$91,141
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,154/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,601
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,357
−HK$2,800/mo
Today · 4.125%
HK$94,157
baseline
▲ 0.50% · 4.625%
HK$99,886
+HK$5,729/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$188,314/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,568
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,211
−HK$2,682/mo
Today · 4.125%
HK$103,893
baseline
▲ 0.50% · 4.625%
HK$109,369
+HK$5,476/mo
Deposit HK$12.95M · loan HK$19.43M · min. income ≈ HK$207,786/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,368
−HK$6,482/mo
▼ 0.25% · 3.875%
HK$106,583
−HK$3,267/mo
Today · 4.125%
HK$109,850
baseline
▲ 0.50% · 4.625%
HK$116,534
+HK$6,684/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$219,700/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,995
−HK$6,213/mo
▼ 0.25% · 3.875%
HK$118,080
−HK$3,128/mo
Today · 4.125%
HK$121,208
baseline
▲ 0.50% · 4.625%
HK$127,597
+HK$6,389/mo
Deposit HK$9.71M · loan HK$22.67M · min. income ≈ HK$242,416/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,901
−HK$8,334/mo
▼ 0.25% · 3.875%
HK$137,035
−HK$4,200/mo
Today · 4.125%
HK$141,235
baseline
▲ 0.50% · 4.625%
HK$149,829
+HK$8,594/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$282,470/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,851
−HK$7,988/mo
▼ 0.25% · 3.875%
HK$151,817
−HK$4,022/mo
Today · 4.125%
HK$155,839
baseline
▲ 0.50% · 4.625%
HK$164,054
+HK$8,215/mo
Deposit HK$3.24M · loan HK$29.14M · min. income ≈ HK$311,678/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,376,138 · Scale 2, in force from 26 Feb 2026)