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$73,901
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,200
−HK$2,336/mo
Today · 4.125%
HK$78,536
baseline
▲ 0.50% · 4.625%
HK$83,314
+HK$4,778/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,072/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,215
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,420
−HK$2,236/mo
Today · 4.125%
HK$86,656
baseline
▲ 0.50% · 4.625%
HK$91,224
+HK$4,568/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,312/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,682
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,440
−HK$2,803/mo
Today · 4.125%
HK$94,243
baseline
▲ 0.50% · 4.625%
HK$99,977
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$188,486/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,657
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,303
−HK$2,685/mo
Today · 4.125%
HK$103,988
baseline
▲ 0.50% · 4.625%
HK$109,469
+HK$5,481/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$207,976/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,462
−HK$6,488/mo
▼ 0.25% · 3.875%
HK$106,680
−HK$3,270/mo
Today · 4.125%
HK$109,950
baseline
▲ 0.50% · 4.625%
HK$116,640
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,900/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,100
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,187
−HK$3,132/mo
Today · 4.125%
HK$121,319
baseline
▲ 0.50% · 4.625%
HK$127,714
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,638/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,022
−HK$8,342/mo
▼ 0.25% · 3.875%
HK$137,160
−HK$4,204/mo
Today · 4.125%
HK$141,364
baseline
▲ 0.50% · 4.625%
HK$149,966
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,728/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,986
−HK$7,995/mo
▼ 0.25% · 3.875%
HK$151,955
−HK$4,026/mo
Today · 4.125%
HK$155,981
baseline
▲ 0.50% · 4.625%
HK$164,203
+HK$8,222/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,962/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,393 · Scale 2, in force from 26 Feb 2026)