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$4,581/mo
▼ 0.25% · 3.875%
HK$75,319
−HK$2,309/mo
Today · 4.125%
HK$77,628
baseline
▲ 0.50% · 4.625%
HK$82,351
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,256/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,264
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,444
−HK$2,211/mo
Today · 4.125%
HK$85,655
baseline
▲ 0.50% · 4.625%
HK$90,170
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,310/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,657
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,383
−HK$2,771/mo
Today · 4.125%
HK$93,154
baseline
▲ 0.50% · 4.625%
HK$98,822
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,308/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,517
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,133
−HK$2,653/mo
Today · 4.125%
HK$102,786
baseline
▲ 0.50% · 4.625%
HK$108,204
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,572/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,266
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,447
−HK$3,232/mo
Today · 4.125%
HK$108,679
baseline
▲ 0.50% · 4.625%
HK$115,292
+HK$6,613/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,358/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,770
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,821
−HK$3,096/mo
Today · 4.125%
HK$119,917
baseline
▲ 0.50% · 4.625%
HK$126,238
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,834/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,485
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,575
−HK$4,155/mo
Today · 4.125%
HK$139,730
baseline
▲ 0.50% · 4.625%
HK$148,233
+HK$8,503/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,460/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,276
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,199
−HK$3,980/mo
Today · 4.125%
HK$154,179
baseline
▲ 0.50% · 4.625%
HK$162,306
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,358/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,474 · Scale 2, in force from 26 Feb 2026)