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$73,869
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$76,167
−HK$2,335/mo
Today · 4.125%
HK$78,502
baseline
▲ 0.50% · 4.625%
HK$83,278
+HK$4,776/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$157,004/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,179
−HK$4,440/mo
▼ 0.25% · 3.875%
HK$84,383
−HK$2,236/mo
Today · 4.125%
HK$86,619
baseline
▲ 0.50% · 4.625%
HK$91,184
+HK$4,565/mo
Deposit HK$16.20M · loan HK$16.20M · min. income ≈ HK$173,238/mo (50% DSR)
Upfront cash ≈ HK$17.57M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,643
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,400
−HK$2,802/mo
Today · 4.125%
HK$94,202
baseline
▲ 0.50% · 4.625%
HK$99,934
+HK$5,732/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$188,404/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,615
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,259
−HK$2,683/mo
Today · 4.125%
HK$103,942
baseline
▲ 0.50% · 4.625%
HK$109,421
+HK$5,479/mo
Deposit HK$12.96M · loan HK$19.44M · min. income ≈ HK$207,884/mo (50% DSR)
Upfront cash ≈ HK$14.33M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,417
−HK$6,485/mo
▼ 0.25% · 3.875%
HK$106,634
−HK$3,268/mo
Today · 4.125%
HK$109,902
baseline
▲ 0.50% · 4.625%
HK$116,589
+HK$6,687/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$219,804/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,050
−HK$6,216/mo
▼ 0.25% · 3.875%
HK$118,136
−HK$3,130/mo
Today · 4.125%
HK$121,266
baseline
▲ 0.50% · 4.625%
HK$127,658
+HK$6,392/mo
Deposit HK$9.72M · loan HK$22.68M · min. income ≈ HK$242,532/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,965
−HK$8,338/mo
▼ 0.25% · 3.875%
HK$137,101
−HK$4,202/mo
Today · 4.125%
HK$141,303
baseline
▲ 0.50% · 4.625%
HK$149,901
+HK$8,598/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$282,606/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,922
−HK$7,992/mo
▼ 0.25% · 3.875%
HK$151,889
−HK$4,025/mo
Today · 4.125%
HK$155,914
baseline
▲ 0.50% · 4.625%
HK$164,132
+HK$8,218/mo
Deposit HK$3.24M · loan HK$29.16M · min. income ≈ HK$311,828/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,376,794 · Scale 2, in force from 26 Feb 2026)