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$73,888
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,186
−HK$2,335/mo
Today · 4.125%
HK$78,521
baseline
▲ 0.50% · 4.625%
HK$83,299
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,042/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,199
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,404
−HK$2,236/mo
Today · 4.125%
HK$86,640
baseline
▲ 0.50% · 4.625%
HK$91,207
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,280/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,665
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,423
−HK$2,802/mo
Today · 4.125%
HK$94,225
baseline
▲ 0.50% · 4.625%
HK$99,959
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,450/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,639
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,285
−HK$2,683/mo
Today · 4.125%
HK$103,968
baseline
▲ 0.50% · 4.625%
HK$109,449
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,936/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,443
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,661
−HK$3,269/mo
Today · 4.125%
HK$109,930
baseline
▲ 0.50% · 4.625%
HK$116,619
+HK$6,689/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,860/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,079
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,166
−HK$3,131/mo
Today · 4.125%
HK$121,297
baseline
▲ 0.50% · 4.625%
HK$127,690
+HK$6,393/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,594/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,998
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,135
−HK$4,203/mo
Today · 4.125%
HK$141,338
baseline
▲ 0.50% · 4.625%
HK$149,938
+HK$8,600/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,676/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,959
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,927
−HK$4,026/mo
Today · 4.125%
HK$155,953
baseline
▲ 0.50% · 4.625%
HK$164,173
+HK$8,220/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,906/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,140 · Scale 2, in force from 26 Feb 2026)