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$73,894
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,192
−HK$2,335/mo
Today · 4.125%
HK$78,527
baseline
▲ 0.50% · 4.625%
HK$83,306
+HK$4,779/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,054/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,206
−HK$4,441/mo
▼ 0.25% · 3.875%
HK$84,411
−HK$2,236/mo
Today · 4.125%
HK$86,647
baseline
▲ 0.50% · 4.625%
HK$91,214
+HK$4,567/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,294/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,672
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$91,430
−HK$2,803/mo
Today · 4.125%
HK$94,233
baseline
▲ 0.50% · 4.625%
HK$99,967
+HK$5,734/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,466/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,647
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,293
−HK$2,684/mo
Today · 4.125%
HK$103,977
baseline
▲ 0.50% · 4.625%
HK$109,457
+HK$5,480/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,954/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,451
−HK$6,487/mo
▼ 0.25% · 3.875%
HK$106,669
−HK$3,269/mo
Today · 4.125%
HK$109,938
baseline
▲ 0.50% · 4.625%
HK$116,628
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,876/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,088
−HK$6,218/mo
▼ 0.25% · 3.875%
HK$118,175
−HK$3,131/mo
Today · 4.125%
HK$121,306
baseline
▲ 0.50% · 4.625%
HK$127,700
+HK$6,394/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,612/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,008
−HK$8,341/mo
▼ 0.25% · 3.875%
HK$137,146
−HK$4,203/mo
Today · 4.125%
HK$141,349
baseline
▲ 0.50% · 4.625%
HK$149,950
+HK$8,601/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,698/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,971
−HK$7,994/mo
▼ 0.25% · 3.875%
HK$151,939
−HK$4,026/mo
Today · 4.125%
HK$155,965
baseline
▲ 0.50% · 4.625%
HK$164,186
+HK$8,221/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,930/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,248 · Scale 2, in force from 26 Feb 2026)