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$73,438
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,723
−HK$2,320/mo
Today · 4.125%
HK$78,043
baseline
▲ 0.50% · 4.625%
HK$82,792
+HK$4,749/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,086/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,699
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,890
−HK$2,223/mo
Today · 4.125%
HK$86,113
baseline
▲ 0.50% · 4.625%
HK$90,652
+HK$4,539/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,226/mo (50% DSR)
Upfront cash ≈ HK$17.47M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,126
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,867
−HK$2,785/mo
Today · 4.125%
HK$93,652
baseline
▲ 0.50% · 4.625%
HK$99,351
+HK$5,699/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,304/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,039
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,669
−HK$2,667/mo
Today · 4.125%
HK$103,336
baseline
▲ 0.50% · 4.625%
HK$108,783
+HK$5,447/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,672/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,814
−HK$6,447/mo
▼ 0.25% · 3.875%
HK$106,012
−HK$3,249/mo
Today · 4.125%
HK$109,261
baseline
▲ 0.50% · 4.625%
HK$115,909
+HK$6,648/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,522/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,379
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$117,447
−HK$3,112/mo
Today · 4.125%
HK$120,559
baseline
▲ 0.50% · 4.625%
HK$126,913
+HK$6,354/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,118/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,189
−HK$8,289/mo
▼ 0.25% · 3.875%
HK$136,301
−HK$4,177/mo
Today · 4.125%
HK$140,478
baseline
▲ 0.50% · 4.625%
HK$149,026
+HK$8,548/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$280,956/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,059
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$151,003
−HK$4,001/mo
Today · 4.125%
HK$155,004
baseline
▲ 0.50% · 4.625%
HK$163,174
+HK$8,170/mo
Deposit HK$3.22M · loan HK$28.99M · min. income ≈ HK$310,008/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,761 · Scale 2, in force from 26 Feb 2026)