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$73,483
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,769
−HK$2,322/mo
Today · 4.125%
HK$78,091
baseline
▲ 0.50% · 4.625%
HK$82,843
+HK$4,752/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,182/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,749
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,942
−HK$2,224/mo
Today · 4.125%
HK$86,166
baseline
▲ 0.50% · 4.625%
HK$90,708
+HK$4,542/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,332/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,180
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,923
−HK$2,787/mo
Today · 4.125%
HK$93,710
baseline
▲ 0.50% · 4.625%
HK$99,412
+HK$5,702/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,420/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,099
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,730
−HK$2,669/mo
Today · 4.125%
HK$103,399
baseline
▲ 0.50% · 4.625%
HK$108,850
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,798/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,877
−HK$6,451/mo
▼ 0.25% · 3.875%
HK$106,077
−HK$3,251/mo
Today · 4.125%
HK$109,328
baseline
▲ 0.50% · 4.625%
HK$115,980
+HK$6,652/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,656/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,449
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$117,519
−HK$3,113/mo
Today · 4.125%
HK$120,632
baseline
▲ 0.50% · 4.625%
HK$126,991
+HK$6,359/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,264/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,270
−HK$8,294/mo
▼ 0.25% · 3.875%
HK$136,384
−HK$4,180/mo
Today · 4.125%
HK$140,564
baseline
▲ 0.50% · 4.625%
HK$149,117
+HK$8,553/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,128/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,149
−HK$7,950/mo
▼ 0.25% · 3.875%
HK$151,095
−HK$4,004/mo
Today · 4.125%
HK$155,099
baseline
▲ 0.50% · 4.625%
HK$163,274
+HK$8,175/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,198/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,600 · Scale 2, in force from 26 Feb 2026)