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$73,499
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,785
−HK$2,323/mo
Today · 4.125%
HK$78,108
baseline
▲ 0.50% · 4.625%
HK$82,861
+HK$4,753/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,216/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,767
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,960
−HK$2,225/mo
Today · 4.125%
HK$86,185
baseline
▲ 0.50% · 4.625%
HK$90,728
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,370/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,199
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,942
−HK$2,788/mo
Today · 4.125%
HK$93,730
baseline
▲ 0.50% · 4.625%
HK$99,433
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,460/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,121
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,752
−HK$2,670/mo
Today · 4.125%
HK$103,422
baseline
▲ 0.50% · 4.625%
HK$108,873
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,844/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,899
−HK$6,453/mo
▼ 0.25% · 3.875%
HK$106,100
−HK$3,252/mo
Today · 4.125%
HK$109,352
baseline
▲ 0.50% · 4.625%
HK$116,005
+HK$6,653/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,704/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,474
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$117,544
−HK$3,115/mo
Today · 4.125%
HK$120,659
baseline
▲ 0.50% · 4.625%
HK$127,019
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,318/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,299
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,414
−HK$4,181/mo
Today · 4.125%
HK$140,595
baseline
▲ 0.50% · 4.625%
HK$149,150
+HK$8,555/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,190/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,181
−HK$7,951/mo
▼ 0.25% · 3.875%
HK$151,128
−HK$4,004/mo
Today · 4.125%
HK$155,132
baseline
▲ 0.50% · 4.625%
HK$163,310
+HK$8,178/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,264/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,897 · Scale 2, in force from 26 Feb 2026)