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$73,432
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,716
−HK$2,321/mo
Today · 4.125%
HK$78,037
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,074/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,692
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,883
−HK$2,223/mo
Today · 4.125%
HK$86,106
baseline
▲ 0.50% · 4.625%
HK$90,645
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,212/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,118
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,859
−HK$2,785/mo
Today · 4.125%
HK$93,644
baseline
▲ 0.50% · 4.625%
HK$99,342
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,288/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,031
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,660
−HK$2,667/mo
Today · 4.125%
HK$103,327
baseline
▲ 0.50% · 4.625%
HK$108,774
+HK$5,447/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,654/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,805
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,003
−HK$3,249/mo
Today · 4.125%
HK$109,252
baseline
▲ 0.50% · 4.625%
HK$115,899
+HK$6,647/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,504/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,369
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$117,437
−HK$3,111/mo
Today · 4.125%
HK$120,548
baseline
▲ 0.50% · 4.625%
HK$126,903
+HK$6,355/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,096/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,178
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,289
−HK$4,177/mo
Today · 4.125%
HK$140,466
baseline
▲ 0.50% · 4.625%
HK$149,014
+HK$8,548/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,932/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,046
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$150,990
−HK$4,001/mo
Today · 4.125%
HK$154,991
baseline
▲ 0.50% · 4.625%
HK$163,161
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,982/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,646 · Scale 2, in force from 26 Feb 2026)