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$73,219
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,496
−HK$2,314/mo
Today · 4.125%
HK$77,810
baseline
▲ 0.50% · 4.625%
HK$82,545
+HK$4,735/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,620/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,455
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,640
−HK$2,216/mo
Today · 4.125%
HK$85,856
baseline
▲ 0.50% · 4.625%
HK$90,382
+HK$4,526/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,712/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,863
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,596
−HK$2,776/mo
Today · 4.125%
HK$93,372
baseline
▲ 0.50% · 4.625%
HK$99,054
+HK$5,682/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$186,744/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,746
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,368
−HK$2,659/mo
Today · 4.125%
HK$103,027
baseline
▲ 0.50% · 4.625%
HK$108,458
+HK$5,431/mo
Deposit HK$12.84M · loan HK$19.27M · min. income ≈ HK$206,054/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,506
−HK$6,428/mo
▼ 0.25% · 3.875%
HK$105,695
−HK$3,239/mo
Today · 4.125%
HK$108,934
baseline
▲ 0.50% · 4.625%
HK$115,563
+HK$6,629/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,868/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,037
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$117,096
−HK$3,102/mo
Today · 4.125%
HK$120,198
baseline
▲ 0.50% · 4.625%
HK$126,534
+HK$6,336/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,396/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,794
−HK$8,264/mo
▼ 0.25% · 3.875%
HK$135,893
−HK$4,165/mo
Today · 4.125%
HK$140,058
baseline
▲ 0.50% · 4.625%
HK$148,581
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,116/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,619
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,552
−HK$3,989/mo
Today · 4.125%
HK$154,541
baseline
▲ 0.50% · 4.625%
HK$162,687
+HK$8,146/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,082/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,671 · Scale 2, in force from 26 Feb 2026)