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$73,620
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,910
−HK$2,327/mo
Today · 4.125%
HK$78,237
baseline
▲ 0.50% · 4.625%
HK$82,997
+HK$4,760/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,474/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,098
−HK$2,228/mo
Today · 4.125%
HK$86,326
baseline
▲ 0.50% · 4.625%
HK$90,877
+HK$4,551/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,652/mo (50% DSR)
Upfront cash ≈ HK$17.52M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,344
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,092
−HK$2,792/mo
Today · 4.125%
HK$93,884
baseline
▲ 0.50% · 4.625%
HK$99,597
+HK$5,713/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$187,768/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,282
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,918
−HK$2,674/mo
Today · 4.125%
HK$103,592
baseline
▲ 0.50% · 4.625%
HK$109,052
+HK$5,460/mo
Deposit HK$12.91M · loan HK$19.37M · min. income ≈ HK$207,184/mo (50% DSR)
Upfront cash ≈ HK$14.29M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,068
−HK$6,463/mo
▼ 0.25% · 3.875%
HK$106,274
−HK$3,257/mo
Today · 4.125%
HK$109,531
baseline
▲ 0.50% · 4.625%
HK$116,196
+HK$6,665/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$219,062/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,662
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$117,737
−HK$3,120/mo
Today · 4.125%
HK$120,857
baseline
▲ 0.50% · 4.625%
HK$127,228
+HK$6,371/mo
Deposit HK$9.69M · loan HK$22.60M · min. income ≈ HK$241,714/mo (50% DSR)
Upfront cash ≈ HK$11.06M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,516
−HK$8,310/mo
▼ 0.25% · 3.875%
HK$136,638
−HK$4,188/mo
Today · 4.125%
HK$140,826
baseline
▲ 0.50% · 4.625%
HK$149,395
+HK$8,569/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$281,652/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,423
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$151,377
−HK$4,011/mo
Today · 4.125%
HK$155,388
baseline
▲ 0.50% · 4.625%
HK$163,578
+HK$8,190/mo
Deposit HK$3.23M · loan HK$29.06M · min. income ≈ HK$310,776/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,372,150 · Scale 2, in force from 26 Feb 2026)