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$73,867
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,165
−HK$2,334/mo
Today · 4.125%
HK$78,499
baseline
▲ 0.50% · 4.625%
HK$83,275
+HK$4,776/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$156,998/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,176
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,380
−HK$2,236/mo
Today · 4.125%
HK$86,616
baseline
▲ 0.50% · 4.625%
HK$91,182
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,232/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,397
−HK$2,802/mo
Today · 4.125%
HK$94,199
baseline
▲ 0.50% · 4.625%
HK$99,931
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,398/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,611
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,256
−HK$2,683/mo
Today · 4.125%
HK$103,939
baseline
▲ 0.50% · 4.625%
HK$109,418
+HK$5,479/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,878/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,414
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,630
−HK$3,269/mo
Today · 4.125%
HK$109,899
baseline
▲ 0.50% · 4.625%
HK$116,586
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,798/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,047
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,132
−HK$3,130/mo
Today · 4.125%
HK$121,262
baseline
▲ 0.50% · 4.625%
HK$127,654
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,524/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,960
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,096
−HK$4,202/mo
Today · 4.125%
HK$141,298
baseline
▲ 0.50% · 4.625%
HK$149,896
+HK$8,598/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,596/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,917
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,884
−HK$4,025/mo
Today · 4.125%
HK$155,909
baseline
▲ 0.50% · 4.625%
HK$164,127
+HK$8,218/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,818/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,750 · Scale 2, in force from 26 Feb 2026)