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$73,961
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,262
−HK$2,337/mo
Today · 4.125%
HK$78,599
baseline
▲ 0.50% · 4.625%
HK$83,382
+HK$4,783/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$157,198/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,281
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,488
−HK$2,238/mo
Today · 4.125%
HK$86,726
baseline
▲ 0.50% · 4.625%
HK$91,298
+HK$4,572/mo
Deposit HK$16.22M · loan HK$16.22M · min. income ≈ HK$173,452/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,753
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,514
−HK$2,805/mo
Today · 4.125%
HK$94,319
baseline
▲ 0.50% · 4.625%
HK$100,058
+HK$5,739/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$188,638/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,737
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,385
−HK$2,687/mo
Today · 4.125%
HK$104,072
baseline
▲ 0.50% · 4.625%
HK$109,557
+HK$5,485/mo
Deposit HK$12.97M · loan HK$19.46M · min. income ≈ HK$208,144/mo (50% DSR)
Upfront cash ≈ HK$14.35M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,545
−HK$6,494/mo
▼ 0.25% · 3.875%
HK$106,766
−HK$3,273/mo
Today · 4.125%
HK$110,039
baseline
▲ 0.50% · 4.625%
HK$116,734
+HK$6,695/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$220,078/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,193
−HK$6,224/mo
▼ 0.25% · 3.875%
HK$118,283
−HK$3,134/mo
Today · 4.125%
HK$121,417
baseline
▲ 0.50% · 4.625%
HK$127,817
+HK$6,400/mo
Deposit HK$9.73M · loan HK$22.70M · min. income ≈ HK$242,834/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,130
−HK$8,348/mo
▼ 0.25% · 3.875%
HK$137,271
−HK$4,207/mo
Today · 4.125%
HK$141,478
baseline
▲ 0.50% · 4.625%
HK$150,087
+HK$8,609/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$282,956/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,106
−HK$8,001/mo
▼ 0.25% · 3.875%
HK$152,078
−HK$4,029/mo
Today · 4.125%
HK$156,107
baseline
▲ 0.50% · 4.625%
HK$164,336
+HK$8,229/mo
Deposit HK$3.24M · loan HK$29.19M · min. income ≈ HK$312,214/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,378,506 · Scale 2, in force from 26 Feb 2026)