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$73,030
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,301
−HK$2,308/mo
Today · 4.125%
HK$77,609
baseline
▲ 0.50% · 4.625%
HK$82,332
+HK$4,723/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,218/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,245
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,424
−HK$2,210/mo
Today · 4.125%
HK$85,634
baseline
▲ 0.50% · 4.625%
HK$90,148
+HK$4,514/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,268/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,636
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,362
−HK$2,769/mo
Today · 4.125%
HK$93,131
baseline
▲ 0.50% · 4.625%
HK$98,798
+HK$5,667/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,262/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,494
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,108
−HK$2,653/mo
Today · 4.125%
HK$102,761
baseline
▲ 0.50% · 4.625%
HK$108,178
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,522/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,241
−HK$6,412/mo
▼ 0.25% · 3.875%
HK$105,422
−HK$3,231/mo
Today · 4.125%
HK$108,653
baseline
▲ 0.50% · 4.625%
HK$115,264
+HK$6,611/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,306/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,743
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,793
−HK$3,095/mo
Today · 4.125%
HK$119,888
baseline
▲ 0.50% · 4.625%
HK$126,207
+HK$6,319/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,776/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,453
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,542
−HK$4,155/mo
Today · 4.125%
HK$139,697
baseline
▲ 0.50% · 4.625%
HK$148,197
+HK$8,500/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,394/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,240
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,163
−HK$3,978/mo
Today · 4.125%
HK$154,141
baseline
▲ 0.50% · 4.625%
HK$162,266
+HK$8,125/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,282/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,145 · Scale 2, in force from 26 Feb 2026)