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$73,464
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,322/mo
Today · 4.125%
HK$78,071
baseline
▲ 0.50% · 4.625%
HK$82,822
+HK$4,751/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$156,142/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,728
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,224/mo
Today · 4.125%
HK$86,144
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$4,540/mo
Deposit HK$16.11M · loan HK$16.11M · min. income ≈ HK$172,288/mo (50% DSR)
Upfront cash ≈ HK$17.48M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,157
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,899
−HK$2,786/mo
Today · 4.125%
HK$93,685
baseline
▲ 0.50% · 4.625%
HK$99,386
+HK$5,701/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$187,370/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,074
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,704
−HK$2,668/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$108,821
+HK$5,449/mo
Deposit HK$12.89M · loan HK$19.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$14.26M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,850
−HK$6,450/mo
▼ 0.25% · 3.875%
HK$106,049
−HK$3,251/mo
Today · 4.125%
HK$109,300
baseline
▲ 0.50% · 4.625%
HK$115,950
+HK$6,650/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$218,600/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,419
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$117,488
−HK$3,113/mo
Today · 4.125%
HK$120,601
baseline
▲ 0.50% · 4.625%
HK$126,958
+HK$6,357/mo
Deposit HK$9.67M · loan HK$22.55M · min. income ≈ HK$241,202/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,236
−HK$8,292/mo
▼ 0.25% · 3.875%
HK$136,349
−HK$4,179/mo
Today · 4.125%
HK$140,528
baseline
▲ 0.50% · 4.625%
HK$149,079
+HK$8,551/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$281,056/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,111
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$151,056
−HK$4,003/mo
Today · 4.125%
HK$155,059
baseline
▲ 0.50% · 4.625%
HK$163,232
+HK$8,173/mo
Deposit HK$3.22M · loan HK$29.00M · min. income ≈ HK$310,118/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,369,245 · Scale 2, in force from 26 Feb 2026)