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$73,995
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,297
−HK$2,338/mo
Today · 4.125%
HK$78,635
baseline
▲ 0.50% · 4.625%
HK$83,420
+HK$4,785/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$157,270/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,319
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,526
−HK$2,240/mo
Today · 4.125%
HK$86,766
baseline
▲ 0.50% · 4.625%
HK$91,340
+HK$4,574/mo
Deposit HK$16.23M · loan HK$16.23M · min. income ≈ HK$173,532/mo (50% DSR)
Upfront cash ≈ HK$17.60M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,794
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,556
−HK$2,806/mo
Today · 4.125%
HK$94,362
baseline
▲ 0.50% · 4.625%
HK$100,104
+HK$5,742/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$188,724/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,782
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,432
−HK$2,687/mo
Today · 4.125%
HK$104,119
baseline
▲ 0.50% · 4.625%
HK$109,607
+HK$5,488/mo
Deposit HK$12.98M · loan HK$19.47M · min. income ≈ HK$208,238/mo (50% DSR)
Upfront cash ≈ HK$14.36M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,593
−HK$6,496/mo
▼ 0.25% · 3.875%
HK$106,815
−HK$3,274/mo
Today · 4.125%
HK$110,089
baseline
▲ 0.50% · 4.625%
HK$116,788
+HK$6,699/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$220,178/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,246
−HK$6,226/mo
▼ 0.25% · 3.875%
HK$118,337
−HK$3,135/mo
Today · 4.125%
HK$121,472
baseline
▲ 0.50% · 4.625%
HK$127,875
+HK$6,403/mo
Deposit HK$9.74M · loan HK$22.72M · min. income ≈ HK$242,944/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,191
−HK$8,352/mo
▼ 0.25% · 3.875%
HK$137,334
−HK$4,209/mo
Today · 4.125%
HK$141,543
baseline
▲ 0.50% · 4.625%
HK$150,156
+HK$8,613/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$283,086/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,173
−HK$8,006/mo
▼ 0.25% · 3.875%
HK$152,147
−HK$4,032/mo
Today · 4.125%
HK$156,179
baseline
▲ 0.50% · 4.625%
HK$164,411
+HK$8,232/mo
Deposit HK$3.25M · loan HK$29.21M · min. income ≈ HK$312,358/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,379,136 · Scale 2, in force from 26 Feb 2026)