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$73,409
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,692
−HK$2,320/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,759
+HK$4,747/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,666
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,856
−HK$2,222/mo
Today · 4.125%
HK$86,078
baseline
▲ 0.50% · 4.625%
HK$90,616
+HK$4,538/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,156/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,090
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,830
−HK$2,784/mo
Today · 4.125%
HK$93,614
baseline
▲ 0.50% · 4.625%
HK$99,310
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$187,228/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,999
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,628
−HK$2,666/mo
Today · 4.125%
HK$103,294
baseline
▲ 0.50% · 4.625%
HK$108,739
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.32M · min. income ≈ HK$206,588/mo (50% DSR)
Upfront cash ≈ HK$14.25M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,772
−HK$6,445/mo
▼ 0.25% · 3.875%
HK$105,969
−HK$3,248/mo
Today · 4.125%
HK$109,217
baseline
▲ 0.50% · 4.625%
HK$115,862
+HK$6,645/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$218,434/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,333
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,399
−HK$3,111/mo
Today · 4.125%
HK$120,510
baseline
▲ 0.50% · 4.625%
HK$126,862
+HK$6,352/mo
Deposit HK$9.66M · loan HK$22.54M · min. income ≈ HK$241,020/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,135
−HK$8,286/mo
▼ 0.25% · 3.875%
HK$136,246
−HK$4,175/mo
Today · 4.125%
HK$140,421
baseline
▲ 0.50% · 4.625%
HK$148,966
+HK$8,545/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,842/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,999
−HK$7,942/mo
▼ 0.25% · 3.875%
HK$150,942
−HK$3,999/mo
Today · 4.125%
HK$154,941
baseline
▲ 0.50% · 4.625%
HK$163,108
+HK$8,167/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,882/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,207 · Scale 2, in force from 26 Feb 2026)