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$73,876
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,174
−HK$2,334/mo
Today · 4.125%
HK$78,508
baseline
▲ 0.50% · 4.625%
HK$83,285
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,016/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,186
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,390
−HK$2,236/mo
Today · 4.125%
HK$86,626
baseline
▲ 0.50% · 4.625%
HK$91,192
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,252/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,651
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,408
−HK$2,802/mo
Today · 4.125%
HK$94,210
baseline
▲ 0.50% · 4.625%
HK$99,942
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,420/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,623
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,268
−HK$2,683/mo
Today · 4.125%
HK$103,951
baseline
▲ 0.50% · 4.625%
HK$109,431
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,902/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,426
−HK$6,486/mo
▼ 0.25% · 3.875%
HK$106,643
−HK$3,269/mo
Today · 4.125%
HK$109,912
baseline
▲ 0.50% · 4.625%
HK$116,600
+HK$6,688/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,824/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,060
−HK$6,217/mo
▼ 0.25% · 3.875%
HK$118,146
−HK$3,131/mo
Today · 4.125%
HK$121,277
baseline
▲ 0.50% · 4.625%
HK$127,669
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,554/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,976
−HK$8,339/mo
▼ 0.25% · 3.875%
HK$137,113
−HK$4,202/mo
Today · 4.125%
HK$141,315
baseline
▲ 0.50% · 4.625%
HK$149,914
+HK$8,599/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,630/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,935
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,902
−HK$4,025/mo
Today · 4.125%
HK$155,927
baseline
▲ 0.50% · 4.625%
HK$164,146
+HK$8,219/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,854/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,914 · Scale 2, in force from 26 Feb 2026)