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$73,782
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,077
−HK$2,332/mo
Today · 4.125%
HK$78,409
baseline
▲ 0.50% · 4.625%
HK$83,180
+HK$4,771/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$156,818/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,082
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,283
−HK$2,233/mo
Today · 4.125%
HK$86,516
baseline
▲ 0.50% · 4.625%
HK$91,077
+HK$4,561/mo
Deposit HK$16.18M · loan HK$16.18M · min. income ≈ HK$173,032/mo (50% DSR)
Upfront cash ≈ HK$17.55M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,538
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,292
−HK$2,799/mo
Today · 4.125%
HK$94,091
baseline
▲ 0.50% · 4.625%
HK$99,816
+HK$5,725/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$188,182/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,498
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,140
−HK$2,680/mo
Today · 4.125%
HK$103,820
baseline
▲ 0.50% · 4.625%
HK$109,292
+HK$5,472/mo
Deposit HK$12.94M · loan HK$19.41M · min. income ≈ HK$207,640/mo (50% DSR)
Upfront cash ≈ HK$14.32M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,295
−HK$6,477/mo
▼ 0.25% · 3.875%
HK$106,508
−HK$3,264/mo
Today · 4.125%
HK$109,772
baseline
▲ 0.50% · 4.625%
HK$116,452
+HK$6,680/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$219,544/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,914
−HK$6,209/mo
▼ 0.25% · 3.875%
HK$117,996
−HK$3,127/mo
Today · 4.125%
HK$121,123
baseline
▲ 0.50% · 4.625%
HK$127,507
+HK$6,384/mo
Deposit HK$9.71M · loan HK$22.65M · min. income ≈ HK$242,246/mo (50% DSR)
Upfront cash ≈ HK$11.08M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,808
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$136,939
−HK$4,197/mo
Today · 4.125%
HK$141,136
baseline
▲ 0.50% · 4.625%
HK$149,724
+HK$8,588/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$282,272/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$147,747
−HK$7,982/mo
▼ 0.25% · 3.875%
HK$151,710
−HK$4,019/mo
Today · 4.125%
HK$155,729
baseline
▲ 0.50% · 4.625%
HK$163,938
+HK$8,209/mo
Deposit HK$3.24M · loan HK$29.12M · min. income ≈ HK$311,458/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$1,375,168 · Scale 2, in force from 26 Feb 2026)