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$73,100
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,374
−HK$2,310/mo
Today · 4.125%
HK$77,684
baseline
▲ 0.50% · 4.625%
HK$82,411
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,368/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,323
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,504
−HK$2,213/mo
Today · 4.125%
HK$85,717
baseline
▲ 0.50% · 4.625%
HK$90,235
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,434/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,720
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,449
−HK$2,772/mo
Today · 4.125%
HK$93,221
baseline
▲ 0.50% · 4.625%
HK$98,893
+HK$5,672/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,442/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,588
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,205
−HK$2,655/mo
Today · 4.125%
HK$102,860
baseline
▲ 0.50% · 4.625%
HK$108,282
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,720/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,340
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,523
−HK$3,235/mo
Today · 4.125%
HK$108,758
baseline
▲ 0.50% · 4.625%
HK$115,375
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,516/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,852
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,906
−HK$3,097/mo
Today · 4.125%
HK$120,003
baseline
▲ 0.50% · 4.625%
HK$126,329
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,006/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,580
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,673
−HK$4,158/mo
Today · 4.125%
HK$139,831
baseline
▲ 0.50% · 4.625%
HK$148,340
+HK$8,509/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,662/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,381
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,307
−HK$3,983/mo
Today · 4.125%
HK$154,290
baseline
▲ 0.50% · 4.625%
HK$162,423
+HK$8,133/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,580/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,456 · Scale 2, in force from 26 Feb 2026)