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$73,883
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,181
−HK$2,335/mo
Today · 4.125%
HK$78,516
baseline
▲ 0.50% · 4.625%
HK$83,293
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,032/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,194
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,398
−HK$2,236/mo
Today · 4.125%
HK$86,634
baseline
▲ 0.50% · 4.625%
HK$91,201
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,268/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,659
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,417
−HK$2,802/mo
Today · 4.125%
HK$94,219
baseline
▲ 0.50% · 4.625%
HK$99,952
+HK$5,733/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,438/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,632
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,278
−HK$2,683/mo
Today · 4.125%
HK$103,961
baseline
▲ 0.50% · 4.625%
HK$109,441
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,922/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,436
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,653
−HK$3,269/mo
Today · 4.125%
HK$109,922
baseline
▲ 0.50% · 4.625%
HK$116,610
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,844/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,071
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,157
−HK$3,131/mo
Today · 4.125%
HK$121,288
baseline
▲ 0.50% · 4.625%
HK$127,681
+HK$6,393/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,576/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,989
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,125
−HK$4,203/mo
Today · 4.125%
HK$141,328
baseline
▲ 0.50% · 4.625%
HK$149,928
+HK$8,600/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,656/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,948
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,916
−HK$4,026/mo
Today · 4.125%
HK$155,942
baseline
▲ 0.50% · 4.625%
HK$164,162
+HK$8,220/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,884/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,042 · Scale 2, in force from 26 Feb 2026)