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$73,095
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$2,310/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$82,406
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,318
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,212/mo
Today · 4.125%
HK$85,711
baseline
▲ 0.50% · 4.625%
HK$90,229
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,422/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,714
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,443
−HK$2,772/mo
Today · 4.125%
HK$93,215
baseline
▲ 0.50% · 4.625%
HK$98,887
+HK$5,672/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,430/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,581
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,198
−HK$2,655/mo
Today · 4.125%
HK$102,853
baseline
▲ 0.50% · 4.625%
HK$108,275
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,706/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,333
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,517
−HK$3,234/mo
Today · 4.125%
HK$108,751
baseline
▲ 0.50% · 4.625%
HK$115,368
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,502/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,845
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,898
−HK$3,098/mo
Today · 4.125%
HK$119,996
baseline
▲ 0.50% · 4.625%
HK$126,321
+HK$6,325/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$239,992/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,572
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,664
−HK$4,158/mo
Today · 4.125%
HK$139,822
baseline
▲ 0.50% · 4.625%
HK$148,330
+HK$8,508/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,644/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,372
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,298
−HK$3,982/mo
Today · 4.125%
HK$154,280
baseline
▲ 0.50% · 4.625%
HK$162,412
+HK$8,132/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,560/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,369 · Scale 2, in force from 26 Feb 2026)