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$73,642
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,327/mo
Today · 4.125%
HK$78,260
baseline
▲ 0.50% · 4.625%
HK$83,022
+HK$4,762/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$156,520/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,926
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,123
−HK$2,229/mo
Today · 4.125%
HK$86,352
baseline
▲ 0.50% · 4.625%
HK$90,904
+HK$4,552/mo
Deposit HK$16.15M · loan HK$16.15M · min. income ≈ HK$172,704/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,370
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,119
−HK$2,793/mo
Today · 4.125%
HK$93,912
baseline
▲ 0.50% · 4.625%
HK$99,626
+HK$5,714/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$187,824/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,311
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,948
−HK$2,674/mo
Today · 4.125%
HK$103,622
baseline
▲ 0.50% · 4.625%
HK$109,084
+HK$5,462/mo
Deposit HK$12.92M · loan HK$19.38M · min. income ≈ HK$207,244/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,099
−HK$6,465/mo
▼ 0.25% · 3.875%
HK$106,306
−HK$3,258/mo
Today · 4.125%
HK$109,564
baseline
▲ 0.50% · 4.625%
HK$116,230
+HK$6,666/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$219,128/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,696
−HK$6,197/mo
▼ 0.25% · 3.875%
HK$117,772
−HK$3,121/mo
Today · 4.125%
HK$120,893
baseline
▲ 0.50% · 4.625%
HK$127,265
+HK$6,372/mo
Deposit HK$9.69M · loan HK$22.61M · min. income ≈ HK$241,786/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,555
−HK$8,313/mo
▼ 0.25% · 3.875%
HK$136,679
−HK$4,189/mo
Today · 4.125%
HK$140,868
baseline
▲ 0.50% · 4.625%
HK$149,439
+HK$8,571/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$281,736/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,466
−HK$7,968/mo
▼ 0.25% · 3.875%
HK$151,421
−HK$4,013/mo
Today · 4.125%
HK$155,434
baseline
▲ 0.50% · 4.625%
HK$163,627
+HK$8,193/mo
Deposit HK$3.23M · loan HK$29.07M · min. income ≈ HK$310,868/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,556 · Scale 2, in force from 26 Feb 2026)