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$73,413
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,697
−HK$2,320/mo
Today · 4.125%
HK$78,017
baseline
▲ 0.50% · 4.625%
HK$82,764
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,034/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,671
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,862
−HK$2,222/mo
Today · 4.125%
HK$86,084
baseline
▲ 0.50% · 4.625%
HK$90,621
+HK$4,537/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,168/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,096
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,836
−HK$2,784/mo
Today · 4.125%
HK$93,620
baseline
▲ 0.50% · 4.625%
HK$99,317
+HK$5,697/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,240/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,006
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,634
−HK$2,666/mo
Today · 4.125%
HK$103,300
baseline
▲ 0.50% · 4.625%
HK$108,746
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,600/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,778
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,975
−HK$3,248/mo
Today · 4.125%
HK$109,223
baseline
▲ 0.50% · 4.625%
HK$115,869
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,446/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,340
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,406
−HK$3,111/mo
Today · 4.125%
HK$120,517
baseline
▲ 0.50% · 4.625%
HK$126,870
+HK$6,353/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,034/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,143
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,254
−HK$4,176/mo
Today · 4.125%
HK$140,430
baseline
▲ 0.50% · 4.625%
HK$148,975
+HK$8,545/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,860/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,008
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$150,951
−HK$4,000/mo
Today · 4.125%
HK$154,951
baseline
▲ 0.50% · 4.625%
HK$163,118
+HK$8,167/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,902/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,291 · Scale 2, in force from 26 Feb 2026)