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$73,235
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,513
−HK$2,314/mo
Today · 4.125%
HK$77,827
baseline
▲ 0.50% · 4.625%
HK$82,563
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,654/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,473
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,658
−HK$2,217/mo
Today · 4.125%
HK$85,875
baseline
▲ 0.50% · 4.625%
HK$90,401
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,750/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,882
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,615
−HK$2,778/mo
Today · 4.125%
HK$93,393
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$5,682/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,786/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,768
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,390
−HK$2,660/mo
Today · 4.125%
HK$103,050
baseline
▲ 0.50% · 4.625%
HK$108,482
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,100/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,529
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,718
−HK$3,240/mo
Today · 4.125%
HK$108,958
baseline
▲ 0.50% · 4.625%
HK$115,588
+HK$6,630/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$217,916/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,062
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,121
−HK$3,104/mo
Today · 4.125%
HK$120,225
baseline
▲ 0.50% · 4.625%
HK$126,562
+HK$6,337/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$240,450/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,823
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,923
−HK$4,166/mo
Today · 4.125%
HK$140,089
baseline
▲ 0.50% · 4.625%
HK$148,613
+HK$8,524/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,178/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,651
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,585
−HK$3,990/mo
Today · 4.125%
HK$154,575
baseline
▲ 0.50% · 4.625%
HK$162,722
+HK$8,147/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,150/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,970 · Scale 2, in force from 26 Feb 2026)