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$73,416
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,699
−HK$2,321/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,767
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,674
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,865
−HK$2,222/mo
Today · 4.125%
HK$86,087
baseline
▲ 0.50% · 4.625%
HK$90,625
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,174/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,099
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,839
−HK$2,785/mo
Today · 4.125%
HK$93,624
baseline
▲ 0.50% · 4.625%
HK$99,320
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,248/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,009
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,638
−HK$2,666/mo
Today · 4.125%
HK$103,304
baseline
▲ 0.50% · 4.625%
HK$108,750
+HK$5,446/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,608/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,782
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,979
−HK$3,248/mo
Today · 4.125%
HK$109,227
baseline
▲ 0.50% · 4.625%
HK$115,874
+HK$6,647/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,454/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,344
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$117,411
−HK$3,111/mo
Today · 4.125%
HK$120,522
baseline
▲ 0.50% · 4.625%
HK$126,875
+HK$6,353/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,044/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,148
−HK$8,287/mo
▼ 0.25% · 3.875%
HK$136,259
−HK$4,176/mo
Today · 4.125%
HK$140,435
baseline
▲ 0.50% · 4.625%
HK$148,980
+HK$8,545/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$280,870/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,014
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,957
−HK$3,999/mo
Today · 4.125%
HK$154,956
baseline
▲ 0.50% · 4.625%
HK$163,124
+HK$8,168/mo
Deposit HK$3.22M · loan HK$28.98M · min. income ≈ HK$309,912/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,342 · Scale 2, in force from 26 Feb 2026)