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$73,404
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,687
−HK$2,320/mo
Today · 4.125%
HK$78,007
baseline
▲ 0.50% · 4.625%
HK$82,753
+HK$4,746/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$156,014/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,661
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,851
−HK$2,222/mo
Today · 4.125%
HK$86,073
baseline
▲ 0.50% · 4.625%
HK$90,610
+HK$4,537/mo
Deposit HK$16.10M · loan HK$16.10M · min. income ≈ HK$172,146/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,084
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,824
−HK$2,784/mo
Today · 4.125%
HK$93,608
baseline
▲ 0.50% · 4.625%
HK$99,304
+HK$5,696/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$187,216/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,993
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,621
−HK$2,666/mo
Today · 4.125%
HK$103,287
baseline
▲ 0.50% · 4.625%
HK$108,732
+HK$5,445/mo
Deposit HK$12.88M · loan HK$19.31M · min. income ≈ HK$206,574/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,765
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,962
−HK$3,247/mo
Today · 4.125%
HK$109,209
baseline
▲ 0.50% · 4.625%
HK$115,855
+HK$6,646/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,418/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,325
−HK$6,177/mo
▼ 0.25% · 3.875%
HK$117,391
−HK$3,111/mo
Today · 4.125%
HK$120,502
baseline
▲ 0.50% · 4.625%
HK$126,854
+HK$6,352/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$241,004/mo (50% DSR)
Upfront cash ≈ HK$11.03M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,127
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,237
−HK$4,175/mo
Today · 4.125%
HK$140,412
baseline
▲ 0.50% · 4.625%
HK$148,956
+HK$8,544/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,824/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,990
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$150,932
−HK$3,999/mo
Today · 4.125%
HK$154,931
baseline
▲ 0.50% · 4.625%
HK$163,098
+HK$8,167/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,862/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,368,117 · Scale 2, in force from 26 Feb 2026)