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$73,852
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,149
−HK$2,334/mo
Today · 4.125%
HK$78,483
baseline
▲ 0.50% · 4.625%
HK$83,259
+HK$4,776/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$156,966/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,160
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,363
−HK$2,236/mo
Today · 4.125%
HK$86,599
baseline
▲ 0.50% · 4.625%
HK$91,163
+HK$4,564/mo
Deposit HK$16.19M · loan HK$16.19M · min. income ≈ HK$173,198/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,622
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,801/mo
Today · 4.125%
HK$94,180
baseline
▲ 0.50% · 4.625%
HK$99,911
+HK$5,731/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$188,360/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,592
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,236
−HK$2,682/mo
Today · 4.125%
HK$103,918
baseline
▲ 0.50% · 4.625%
HK$109,396
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.43M · min. income ≈ HK$207,836/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,393
−HK$6,484/mo
▼ 0.25% · 3.875%
HK$106,609
−HK$3,268/mo
Today · 4.125%
HK$109,877
baseline
▲ 0.50% · 4.625%
HK$116,562
+HK$6,685/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$219,754/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,024
−HK$6,214/mo
▼ 0.25% · 3.875%
HK$118,108
−HK$3,130/mo
Today · 4.125%
HK$121,238
baseline
▲ 0.50% · 4.625%
HK$127,629
+HK$6,391/mo
Deposit HK$9.72M · loan HK$22.67M · min. income ≈ HK$242,476/mo (50% DSR)
Upfront cash ≈ HK$11.09M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,934
−HK$8,336/mo
▼ 0.25% · 3.875%
HK$137,069
−HK$4,201/mo
Today · 4.125%
HK$141,270
baseline
▲ 0.50% · 4.625%
HK$149,866
+HK$8,596/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$282,540/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,887
−HK$7,990/mo
▼ 0.25% · 3.875%
HK$151,854
−HK$4,023/mo
Today · 4.125%
HK$155,877
baseline
▲ 0.50% · 4.625%
HK$164,094
+HK$8,217/mo
Deposit HK$3.24M · loan HK$29.15M · min. income ≈ HK$311,754/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,474 · Scale 2, in force from 26 Feb 2026)