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$73,394
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,677
−HK$2,320/mo
Today · 4.125%
HK$77,997
baseline
▲ 0.50% · 4.625%
HK$82,743
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,994/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,650
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,840
−HK$2,222/mo
Today · 4.125%
HK$86,062
baseline
▲ 0.50% · 4.625%
HK$90,598
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,124/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,073
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,813
−HK$2,783/mo
Today · 4.125%
HK$93,596
baseline
▲ 0.50% · 4.625%
HK$99,291
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,192/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,981
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,608
−HK$2,666/mo
Today · 4.125%
HK$103,274
baseline
▲ 0.50% · 4.625%
HK$108,718
+HK$5,444/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,548/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,752
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,948
−HK$3,248/mo
Today · 4.125%
HK$109,196
baseline
▲ 0.50% · 4.625%
HK$115,840
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,392/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,311
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,376
−HK$3,111/mo
Today · 4.125%
HK$120,487
baseline
▲ 0.50% · 4.625%
HK$126,838
+HK$6,351/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,974/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,110
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,219
−HK$4,175/mo
Today · 4.125%
HK$140,394
baseline
▲ 0.50% · 4.625%
HK$148,937
+HK$8,543/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,788/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,971
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,913
−HK$3,998/mo
Today · 4.125%
HK$154,911
baseline
▲ 0.50% · 4.625%
HK$163,077
+HK$8,166/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,822/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,943 · Scale 2, in force from 26 Feb 2026)