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$73,047
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$2,308/mo
Today · 4.125%
HK$77,627
baseline
▲ 0.50% · 4.625%
HK$82,351
+HK$4,724/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,254/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,264
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,443
−HK$2,211/mo
Today · 4.125%
HK$85,654
baseline
▲ 0.50% · 4.625%
HK$90,169
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,308/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,656
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,382
−HK$2,771/mo
Today · 4.125%
HK$93,153
baseline
▲ 0.50% · 4.625%
HK$98,821
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,306/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,516
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,132
−HK$2,653/mo
Today · 4.125%
HK$102,785
baseline
▲ 0.50% · 4.625%
HK$108,203
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,570/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,265
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,446
−HK$3,232/mo
Today · 4.125%
HK$108,678
baseline
▲ 0.50% · 4.625%
HK$115,291
+HK$6,613/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,356/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,769
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,820
−HK$3,096/mo
Today · 4.125%
HK$119,916
baseline
▲ 0.50% · 4.625%
HK$126,236
+HK$6,320/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,832/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,484
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,574
−HK$4,155/mo
Today · 4.125%
HK$139,729
baseline
▲ 0.50% · 4.625%
HK$148,231
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,458/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,274
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,197
−HK$3,980/mo
Today · 4.125%
HK$154,177
baseline
▲ 0.50% · 4.625%
HK$162,304
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,354/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,460 · Scale 2, in force from 26 Feb 2026)