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$73,368
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,650
−HK$2,318/mo
Today · 4.125%
HK$77,968
baseline
▲ 0.50% · 4.625%
HK$82,713
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,936/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,621
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,810
−HK$2,220/mo
Today · 4.125%
HK$86,030
baseline
▲ 0.50% · 4.625%
HK$90,565
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,060/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,041
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,780
−HK$2,782/mo
Today · 4.125%
HK$93,562
baseline
▲ 0.50% · 4.625%
HK$99,255
+HK$5,693/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,124/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,945
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,572
−HK$2,665/mo
Today · 4.125%
HK$103,237
baseline
▲ 0.50% · 4.625%
HK$108,678
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,474/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,715
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,910
−HK$3,246/mo
Today · 4.125%
HK$109,156
baseline
▲ 0.50% · 4.625%
HK$115,798
+HK$6,642/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,312/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,269
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$117,334
−HK$3,109/mo
Today · 4.125%
HK$120,443
baseline
▲ 0.50% · 4.625%
HK$126,791
+HK$6,348/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,886/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,062
−HK$8,281/mo
▼ 0.25% · 3.875%
HK$136,170
−HK$4,173/mo
Today · 4.125%
HK$140,343
baseline
▲ 0.50% · 4.625%
HK$148,883
+HK$8,540/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,686/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,917
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,858
−HK$3,997/mo
Today · 4.125%
HK$154,855
baseline
▲ 0.50% · 4.625%
HK$163,017
+HK$8,162/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,710/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,445 · Scale 2, in force from 26 Feb 2026)