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$73,861
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,159
−HK$2,334/mo
Today · 4.125%
HK$78,493
baseline
▲ 0.50% · 4.625%
HK$83,269
+HK$4,776/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$156,986/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,170
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,373
−HK$2,236/mo
Today · 4.125%
HK$86,609
baseline
▲ 0.50% · 4.625%
HK$91,174
+HK$4,565/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,218/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,633
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,390
−HK$2,801/mo
Today · 4.125%
HK$94,191
baseline
▲ 0.50% · 4.625%
HK$99,923
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$188,382/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,604
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,248
−HK$2,683/mo
Today · 4.125%
HK$103,931
baseline
▲ 0.50% · 4.625%
HK$109,409
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$207,862/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,406
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,622
−HK$3,268/mo
Today · 4.125%
HK$109,890
baseline
▲ 0.50% · 4.625%
HK$116,577
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,780/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,038
−HK$6,215/mo
▼ 0.25% · 3.875%
HK$118,123
−HK$3,130/mo
Today · 4.125%
HK$121,253
baseline
▲ 0.50% · 4.625%
HK$127,644
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,506/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,950
−HK$8,337/mo
▼ 0.25% · 3.875%
HK$137,085
−HK$4,202/mo
Today · 4.125%
HK$141,287
baseline
▲ 0.50% · 4.625%
HK$149,884
+HK$8,597/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,574/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,906
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,872
−HK$4,024/mo
Today · 4.125%
HK$155,896
baseline
▲ 0.50% · 4.625%
HK$164,114
+HK$8,218/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,792/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,643 · Scale 2, in force from 26 Feb 2026)