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$73,146
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,421
−HK$2,312/mo
Today · 4.125%
HK$77,733
baseline
▲ 0.50% · 4.625%
HK$82,463
+HK$4,730/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,466/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,374
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,557
−HK$2,214/mo
Today · 4.125%
HK$85,771
baseline
▲ 0.50% · 4.625%
HK$90,292
+HK$4,521/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,542/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,775
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$90,506
−HK$2,774/mo
Today · 4.125%
HK$93,280
baseline
▲ 0.50% · 4.625%
HK$98,955
+HK$5,675/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,560/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,649
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$100,268
−HK$2,657/mo
Today · 4.125%
HK$102,925
baseline
▲ 0.50% · 4.625%
HK$108,350
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,850/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,404
−HK$6,422/mo
▼ 0.25% · 3.875%
HK$105,590
−HK$3,236/mo
Today · 4.125%
HK$108,826
baseline
▲ 0.50% · 4.625%
HK$115,448
+HK$6,622/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,652/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,924
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$116,979
−HK$3,100/mo
Today · 4.125%
HK$120,079
baseline
▲ 0.50% · 4.625%
HK$126,408
+HK$6,329/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,158/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,663
−HK$8,256/mo
▼ 0.25% · 3.875%
HK$135,758
−HK$4,161/mo
Today · 4.125%
HK$139,919
baseline
▲ 0.50% · 4.625%
HK$148,433
+HK$8,514/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,838/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,474
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$150,402
−HK$3,985/mo
Today · 4.125%
HK$154,387
baseline
▲ 0.50% · 4.625%
HK$162,525
+HK$8,138/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,774/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,315 · Scale 2, in force from 26 Feb 2026)