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$73,891
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,189
−HK$2,336/mo
Today · 4.125%
HK$78,525
baseline
▲ 0.50% · 4.625%
HK$83,303
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,050/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,203
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,408
−HK$2,236/mo
Today · 4.125%
HK$86,644
baseline
▲ 0.50% · 4.625%
HK$91,211
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,288/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,669
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,427
−HK$2,802/mo
Today · 4.125%
HK$94,229
baseline
▲ 0.50% · 4.625%
HK$99,963
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,458/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,644
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$2,684/mo
Today · 4.125%
HK$103,973
baseline
▲ 0.50% · 4.625%
HK$109,454
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,946/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,447
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,665
−HK$3,269/mo
Today · 4.125%
HK$109,934
baseline
▲ 0.50% · 4.625%
HK$116,624
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,868/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,084
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,171
−HK$3,131/mo
Today · 4.125%
HK$121,302
baseline
▲ 0.50% · 4.625%
HK$127,696
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,604/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,004
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,141
−HK$4,203/mo
Today · 4.125%
HK$141,344
baseline
▲ 0.50% · 4.625%
HK$149,945
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,688/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,965
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,934
−HK$4,025/mo
Today · 4.125%
HK$155,959
baseline
▲ 0.50% · 4.625%
HK$164,180
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,918/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,199 · Scale 2, in force from 26 Feb 2026)