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$73,585
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,874
−HK$2,326/mo
Today · 4.125%
HK$78,200
baseline
▲ 0.50% · 4.625%
HK$82,958
+HK$4,758/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$156,400/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,863
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,058
−HK$2,227/mo
Today · 4.125%
HK$86,285
baseline
▲ 0.50% · 4.625%
HK$90,834
+HK$4,549/mo
Deposit HK$16.14M · loan HK$16.14M · min. income ≈ HK$172,570/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,302
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,049
−HK$2,790/mo
Today · 4.125%
HK$93,839
baseline
▲ 0.50% · 4.625%
HK$99,549
+HK$5,710/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$187,678/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,235
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,870
−HK$2,673/mo
Today · 4.125%
HK$103,543
baseline
▲ 0.50% · 4.625%
HK$109,000
+HK$5,457/mo
Deposit HK$12.91M · loan HK$19.36M · min. income ≈ HK$207,086/mo (50% DSR)
Upfront cash ≈ HK$14.28M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,019
−HK$6,460/mo
▼ 0.25% · 3.875%
HK$106,224
−HK$3,255/mo
Today · 4.125%
HK$109,479
baseline
▲ 0.50% · 4.625%
HK$116,141
+HK$6,662/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$218,958/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,608
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$117,681
−HK$3,119/mo
Today · 4.125%
HK$120,800
baseline
▲ 0.50% · 4.625%
HK$127,167
+HK$6,367/mo
Deposit HK$9.68M · loan HK$22.59M · min. income ≈ HK$241,600/mo (50% DSR)
Upfront cash ≈ HK$11.05M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,453
−HK$8,306/mo
▼ 0.25% · 3.875%
HK$136,573
−HK$4,186/mo
Today · 4.125%
HK$140,759
baseline
▲ 0.50% · 4.625%
HK$149,324
+HK$8,565/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$281,518/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,353
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$151,305
−HK$4,009/mo
Today · 4.125%
HK$155,314
baseline
▲ 0.50% · 4.625%
HK$163,501
+HK$8,187/mo
Deposit HK$3.23M · loan HK$29.04M · min. income ≈ HK$310,628/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$1,371,499 · Scale 2, in force from 26 Feb 2026)