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$73,868
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$76,166
−HK$2,334/mo
Today · 4.125%
HK$78,500
baseline
▲ 0.50% · 4.625%
HK$83,277
+HK$4,777/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,000/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,177
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,381
−HK$2,236/mo
Today · 4.125%
HK$86,617
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$4,566/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,234/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,642
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,399
−HK$2,801/mo
Today · 4.125%
HK$94,200
baseline
▲ 0.50% · 4.625%
HK$99,932
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,400/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,613
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$2,683/mo
Today · 4.125%
HK$103,941
baseline
▲ 0.50% · 4.625%
HK$109,419
+HK$5,478/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,882/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,415
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,632
−HK$3,268/mo
Today · 4.125%
HK$109,900
baseline
▲ 0.50% · 4.625%
HK$116,587
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,800/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,048
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,134
−HK$3,130/mo
Today · 4.125%
HK$121,264
baseline
▲ 0.50% · 4.625%
HK$127,656
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,528/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,962
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,098
−HK$4,202/mo
Today · 4.125%
HK$141,300
baseline
▲ 0.50% · 4.625%
HK$149,898
+HK$8,598/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,600/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,919
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,886
−HK$4,025/mo
Today · 4.125%
HK$155,911
baseline
▲ 0.50% · 4.625%
HK$164,129
+HK$8,218/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,822/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,771 · Scale 2, in force from 26 Feb 2026)