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$73,899
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,197
−HK$2,336/mo
Today · 4.125%
HK$78,533
baseline
▲ 0.50% · 4.625%
HK$83,311
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,066/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,212
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,416
−HK$2,237/mo
Today · 4.125%
HK$86,653
baseline
▲ 0.50% · 4.625%
HK$91,221
+HK$4,568/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,306/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,678
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,437
−HK$2,802/mo
Today · 4.125%
HK$94,239
baseline
▲ 0.50% · 4.625%
HK$99,974
+HK$5,735/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,478/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,654
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,300
−HK$2,684/mo
Today · 4.125%
HK$103,984
baseline
▲ 0.50% · 4.625%
HK$109,465
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,968/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,458
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,676
−HK$3,270/mo
Today · 4.125%
HK$109,946
baseline
▲ 0.50% · 4.625%
HK$116,636
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,892/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,096
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,183
−HK$3,131/mo
Today · 4.125%
HK$121,314
baseline
▲ 0.50% · 4.625%
HK$127,709
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,628/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,018
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,155
−HK$4,204/mo
Today · 4.125%
HK$141,359
baseline
▲ 0.50% · 4.625%
HK$149,960
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,718/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,981
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,950
−HK$4,026/mo
Today · 4.125%
HK$155,976
baseline
▲ 0.50% · 4.625%
HK$164,197
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,952/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,343 · Scale 2, in force from 26 Feb 2026)