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$73,498
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,784
−HK$2,323/mo
Today · 4.125%
HK$78,107
baseline
▲ 0.50% · 4.625%
HK$82,859
+HK$4,752/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$156,214/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,766
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,958
−HK$2,225/mo
Today · 4.125%
HK$86,183
baseline
▲ 0.50% · 4.625%
HK$90,726
+HK$4,543/mo
Deposit HK$16.12M · loan HK$16.12M · min. income ≈ HK$172,366/mo (50% DSR)
Upfront cash ≈ HK$17.49M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,197
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,941
−HK$2,787/mo
Today · 4.125%
HK$93,728
baseline
▲ 0.50% · 4.625%
HK$99,431
+HK$5,703/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$187,456/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,119
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,750
−HK$2,670/mo
Today · 4.125%
HK$103,420
baseline
▲ 0.50% · 4.625%
HK$108,871
+HK$5,451/mo
Deposit HK$12.89M · loan HK$19.34M · min. income ≈ HK$206,840/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,897
−HK$6,452/mo
▼ 0.25% · 3.875%
HK$106,098
−HK$3,251/mo
Today · 4.125%
HK$109,349
baseline
▲ 0.50% · 4.625%
HK$116,003
+HK$6,654/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$218,698/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,472
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$117,542
−HK$3,114/mo
Today · 4.125%
HK$120,656
baseline
▲ 0.50% · 4.625%
HK$127,016
+HK$6,360/mo
Deposit HK$9.67M · loan HK$22.56M · min. income ≈ HK$241,312/mo (50% DSR)
Upfront cash ≈ HK$11.04M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,296
−HK$8,296/mo
▼ 0.25% · 3.875%
HK$136,411
−HK$4,181/mo
Today · 4.125%
HK$140,592
baseline
▲ 0.50% · 4.625%
HK$149,147
+HK$8,555/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$281,184/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,178
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$151,125
−HK$4,005/mo
Today · 4.125%
HK$155,130
baseline
▲ 0.50% · 4.625%
HK$163,307
+HK$8,177/mo
Deposit HK$3.22M · loan HK$29.01M · min. income ≈ HK$310,260/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,871 · Scale 2, in force from 26 Feb 2026)