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$73,008
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,279
−HK$2,307/mo
Today · 4.125%
HK$77,586
baseline
▲ 0.50% · 4.625%
HK$82,307
+HK$4,721/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,172/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,221
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,399
−HK$2,210/mo
Today · 4.125%
HK$85,609
baseline
▲ 0.50% · 4.625%
HK$90,121
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,218/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,610
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,335
−HK$2,769/mo
Today · 4.125%
HK$93,104
baseline
▲ 0.50% · 4.625%
HK$98,769
+HK$5,665/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,208/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,465
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,079
−HK$2,652/mo
Today · 4.125%
HK$102,731
baseline
▲ 0.50% · 4.625%
HK$108,146
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,462/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,211
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,391
−HK$3,230/mo
Today · 4.125%
HK$108,621
baseline
▲ 0.50% · 4.625%
HK$115,230
+HK$6,609/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$217,242/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,709
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,759
−HK$3,093/mo
Today · 4.125%
HK$119,852
baseline
▲ 0.50% · 4.625%
HK$126,170
+HK$6,318/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$239,704/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,415
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,502
−HK$4,153/mo
Today · 4.125%
HK$139,655
baseline
▲ 0.50% · 4.625%
HK$148,153
+HK$8,498/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,310/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,197
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,118
−HK$3,978/mo
Today · 4.125%
HK$154,096
baseline
▲ 0.50% · 4.625%
HK$162,219
+HK$8,123/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,192/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,744 · Scale 2, in force from 26 Feb 2026)