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$73,775
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$76,069
−HK$2,332/mo
Today · 4.125%
HK$78,401
baseline
▲ 0.50% · 4.625%
HK$83,171
+HK$4,770/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,802/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,074
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,275
−HK$2,233/mo
Today · 4.125%
HK$86,508
baseline
▲ 0.50% · 4.625%
HK$91,068
+HK$4,560/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,016/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,530
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,283
−HK$2,798/mo
Today · 4.125%
HK$94,081
baseline
▲ 0.50% · 4.625%
HK$99,806
+HK$5,725/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,162/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,488
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,130
−HK$2,679/mo
Today · 4.125%
HK$103,809
baseline
▲ 0.50% · 4.625%
HK$109,281
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,618/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,285
−HK$6,476/mo
▼ 0.25% · 3.875%
HK$106,497
−HK$3,264/mo
Today · 4.125%
HK$109,761
baseline
▲ 0.50% · 4.625%
HK$116,440
+HK$6,679/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,522/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,903
−HK$6,208/mo
▼ 0.25% · 3.875%
HK$117,985
−HK$3,126/mo
Today · 4.125%
HK$121,111
baseline
▲ 0.50% · 4.625%
HK$127,495
+HK$6,384/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,222/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,794
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,925
−HK$4,197/mo
Today · 4.125%
HK$141,122
baseline
▲ 0.50% · 4.625%
HK$149,709
+HK$8,587/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,244/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,732
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,695
−HK$4,019/mo
Today · 4.125%
HK$155,714
baseline
▲ 0.50% · 4.625%
HK$163,922
+HK$8,208/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,428/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,031 · Scale 2, in force from 26 Feb 2026)