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$73,909
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$76,208
−HK$2,335/mo
Today · 4.125%
HK$78,543
baseline
▲ 0.50% · 4.625%
HK$83,322
+HK$4,779/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$157,086/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,223
−HK$4,442/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,237/mo
Today · 4.125%
HK$86,665
baseline
▲ 0.50% · 4.625%
HK$91,233
+HK$4,568/mo
Deposit HK$16.21M · loan HK$16.21M · min. income ≈ HK$173,330/mo (50% DSR)
Upfront cash ≈ HK$17.58M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,690
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,449
−HK$2,803/mo
Today · 4.125%
HK$94,252
baseline
▲ 0.50% · 4.625%
HK$99,987
+HK$5,735/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$188,504/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,667
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,313
−HK$2,685/mo
Today · 4.125%
HK$103,998
baseline
▲ 0.50% · 4.625%
HK$109,480
+HK$5,482/mo
Deposit HK$12.96M · loan HK$19.45M · min. income ≈ HK$207,996/mo (50% DSR)
Upfront cash ≈ HK$14.34M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,472
−HK$6,489/mo
▼ 0.25% · 3.875%
HK$106,691
−HK$3,270/mo
Today · 4.125%
HK$109,961
baseline
▲ 0.50% · 4.625%
HK$116,651
+HK$6,690/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$219,922/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,112
−HK$6,219/mo
▼ 0.25% · 3.875%
HK$118,199
−HK$3,132/mo
Today · 4.125%
HK$121,331
baseline
▲ 0.50% · 4.625%
HK$127,726
+HK$6,395/mo
Deposit HK$9.72M · loan HK$22.69M · min. income ≈ HK$242,662/mo (50% DSR)
Upfront cash ≈ HK$11.10M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,035
−HK$8,343/mo
▼ 0.25% · 3.875%
HK$137,174
−HK$4,204/mo
Today · 4.125%
HK$141,378
baseline
▲ 0.50% · 4.625%
HK$149,980
+HK$8,602/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$282,756/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$148,001
−HK$7,996/mo
▼ 0.25% · 3.875%
HK$151,970
−HK$4,027/mo
Today · 4.125%
HK$155,997
baseline
▲ 0.50% · 4.625%
HK$164,219
+HK$8,222/mo
Deposit HK$3.24M · loan HK$29.17M · min. income ≈ HK$311,994/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$1,377,528 · Scale 2, in force from 26 Feb 2026)