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$73,158
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,434
−HK$2,312/mo
Today · 4.125%
HK$77,746
baseline
▲ 0.50% · 4.625%
HK$82,476
+HK$4,730/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,492/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,387
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,570
−HK$2,215/mo
Today · 4.125%
HK$85,785
baseline
▲ 0.50% · 4.625%
HK$90,306
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,570/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,790
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,520
−HK$2,775/mo
Today · 4.125%
HK$93,295
baseline
▲ 0.50% · 4.625%
HK$98,971
+HK$5,676/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,590/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,665
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,284
−HK$2,658/mo
Today · 4.125%
HK$102,942
baseline
▲ 0.50% · 4.625%
HK$108,368
+HK$5,426/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,884/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,421
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,607
−HK$3,237/mo
Today · 4.125%
HK$108,844
baseline
▲ 0.50% · 4.625%
HK$115,467
+HK$6,623/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$217,688/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,942
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$116,998
−HK$3,100/mo
Today · 4.125%
HK$120,098
baseline
▲ 0.50% · 4.625%
HK$126,429
+HK$6,331/mo
Deposit HK$9.62M · loan HK$22.46M · min. income ≈ HK$240,196/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,684
−HK$8,258/mo
▼ 0.25% · 3.875%
HK$135,780
−HK$4,162/mo
Today · 4.125%
HK$139,942
baseline
▲ 0.50% · 4.625%
HK$148,457
+HK$8,515/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,884/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,497
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,426
−HK$3,986/mo
Today · 4.125%
HK$154,412
baseline
▲ 0.50% · 4.625%
HK$162,552
+HK$8,140/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,824/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,537 · Scale 2, in force from 26 Feb 2026)