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$73,426
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,710
−HK$2,320/mo
Today · 4.125%
HK$78,030
baseline
▲ 0.50% · 4.625%
HK$82,778
+HK$4,748/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,060/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,685
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,876
−HK$2,223/mo
Today · 4.125%
HK$86,099
baseline
▲ 0.50% · 4.625%
HK$90,637
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,198/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,111
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,852
−HK$2,784/mo
Today · 4.125%
HK$93,636
baseline
▲ 0.50% · 4.625%
HK$99,334
+HK$5,698/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,272/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,022
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,651
−HK$2,667/mo
Today · 4.125%
HK$103,318
baseline
▲ 0.50% · 4.625%
HK$108,764
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,636/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,796
−HK$6,446/mo
▼ 0.25% · 3.875%
HK$105,994
−HK$3,248/mo
Today · 4.125%
HK$109,242
baseline
▲ 0.50% · 4.625%
HK$115,889
+HK$6,647/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,484/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,360
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,427
−HK$3,111/mo
Today · 4.125%
HK$120,538
baseline
▲ 0.50% · 4.625%
HK$126,892
+HK$6,354/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,076/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,166
−HK$8,288/mo
▼ 0.25% · 3.875%
HK$136,277
−HK$4,177/mo
Today · 4.125%
HK$140,454
baseline
▲ 0.50% · 4.625%
HK$149,001
+HK$8,547/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,908/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,034
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,977
−HK$4,000/mo
Today · 4.125%
HK$154,977
baseline
▲ 0.50% · 4.625%
HK$163,147
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,954/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,528 · Scale 2, in force from 26 Feb 2026)