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$73,890
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,188
−HK$2,335/mo
Today · 4.125%
HK$78,523
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,046/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,202
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,406
−HK$2,237/mo
Today · 4.125%
HK$86,643
baseline
▲ 0.50% · 4.625%
HK$91,210
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,286/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,668
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,426
−HK$2,802/mo
Today · 4.125%
HK$94,228
baseline
▲ 0.50% · 4.625%
HK$99,962
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,456/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,642
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,288
−HK$2,683/mo
Today · 4.125%
HK$103,971
baseline
▲ 0.50% · 4.625%
HK$109,452
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,942/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,446
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,664
−HK$3,269/mo
Today · 4.125%
HK$109,933
baseline
▲ 0.50% · 4.625%
HK$116,622
+HK$6,689/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,866/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,082
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,169
−HK$3,131/mo
Today · 4.125%
HK$121,300
baseline
▲ 0.50% · 4.625%
HK$127,694
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,600/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,002
−HK$8,340/mo
▼ 0.25% · 3.875%
HK$137,139
−HK$4,203/mo
Today · 4.125%
HK$141,342
baseline
▲ 0.50% · 4.625%
HK$149,943
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,684/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,963
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,931
−HK$4,026/mo
Today · 4.125%
HK$155,957
baseline
▲ 0.50% · 4.625%
HK$164,178
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,914/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,179 · Scale 2, in force from 26 Feb 2026)