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$73,410
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,693
−HK$2,320/mo
Today · 4.125%
HK$78,013
baseline
▲ 0.50% · 4.625%
HK$82,760
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,026/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,668
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,858
−HK$2,222/mo
Today · 4.125%
HK$86,080
baseline
▲ 0.50% · 4.625%
HK$90,617
+HK$4,537/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,160/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,092
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,832
−HK$2,784/mo
Today · 4.125%
HK$93,616
baseline
▲ 0.50% · 4.625%
HK$99,312
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,232/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,001
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,629
−HK$2,667/mo
Today · 4.125%
HK$103,296
baseline
▲ 0.50% · 4.625%
HK$108,741
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,592/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,774
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,970
−HK$3,248/mo
Today · 4.125%
HK$109,218
baseline
▲ 0.50% · 4.625%
HK$115,864
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,436/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,335
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,401
−HK$3,111/mo
Today · 4.125%
HK$120,512
baseline
▲ 0.50% · 4.625%
HK$126,864
+HK$6,352/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,024/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,137
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,248
−HK$4,176/mo
Today · 4.125%
HK$140,424
baseline
▲ 0.50% · 4.625%
HK$148,968
+HK$8,544/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,848/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,002
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,944
−HK$4,000/mo
Today · 4.125%
HK$154,944
baseline
▲ 0.50% · 4.625%
HK$163,111
+HK$8,167/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,888/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,229 · Scale 2, in force from 26 Feb 2026)