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$73,897
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,196
−HK$2,335/mo
Today · 4.125%
HK$78,531
baseline
▲ 0.50% · 4.625%
HK$83,310
+HK$4,779/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,062/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,210
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,415
−HK$2,237/mo
Today · 4.125%
HK$86,652
baseline
▲ 0.50% · 4.625%
HK$91,219
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,304/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,677
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,435
−HK$2,803/mo
Today · 4.125%
HK$94,238
baseline
▲ 0.50% · 4.625%
HK$99,972
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,476/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,652
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,298
−HK$2,684/mo
Today · 4.125%
HK$103,982
baseline
▲ 0.50% · 4.625%
HK$109,463
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,964/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,456
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,674
−HK$3,270/mo
Today · 4.125%
HK$109,944
baseline
▲ 0.50% · 4.625%
HK$116,634
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,888/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,094
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,181
−HK$3,131/mo
Today · 4.125%
HK$121,312
baseline
▲ 0.50% · 4.625%
HK$127,707
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,624/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,015
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,153
−HK$4,203/mo
Today · 4.125%
HK$141,356
baseline
▲ 0.50% · 4.625%
HK$149,958
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,712/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,978
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,947
−HK$4,026/mo
Today · 4.125%
HK$155,973
baseline
▲ 0.50% · 4.625%
HK$164,194
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,946/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,318 · Scale 2, in force from 26 Feb 2026)