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$73,871
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,169
−HK$2,334/mo
Today · 4.125%
HK$78,503
baseline
▲ 0.50% · 4.625%
HK$83,280
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,006/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,181
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,385
−HK$2,236/mo
Today · 4.125%
HK$86,621
baseline
▲ 0.50% · 4.625%
HK$91,187
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,242/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,645
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,403
−HK$2,801/mo
Today · 4.125%
HK$94,204
baseline
▲ 0.50% · 4.625%
HK$99,936
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,408/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,617
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,262
−HK$2,683/mo
Today · 4.125%
HK$103,945
baseline
▲ 0.50% · 4.625%
HK$109,424
+HK$5,479/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,890/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,419
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,636
−HK$3,269/mo
Today · 4.125%
HK$109,905
baseline
▲ 0.50% · 4.625%
HK$116,592
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,810/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,053
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,139
−HK$3,130/mo
Today · 4.125%
HK$121,269
baseline
▲ 0.50% · 4.625%
HK$127,661
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,538/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,968
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,104
−HK$4,202/mo
Today · 4.125%
HK$141,306
baseline
▲ 0.50% · 4.625%
HK$149,904
+HK$8,598/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,612/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,925
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,893
−HK$4,024/mo
Today · 4.125%
HK$155,917
baseline
▲ 0.50% · 4.625%
HK$164,136
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,834/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,827 · Scale 2, in force from 26 Feb 2026)