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$73,196
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,473
−HK$2,314/mo
Today · 4.125%
HK$77,787
baseline
▲ 0.50% · 4.625%
HK$82,520
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,574/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,430
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,614
−HK$2,216/mo
Today · 4.125%
HK$85,830
baseline
▲ 0.50% · 4.625%
HK$90,354
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,660/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,836
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,568
−HK$2,776/mo
Today · 4.125%
HK$93,344
baseline
▲ 0.50% · 4.625%
HK$99,024
+HK$5,680/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,688/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,716
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,337
−HK$2,659/mo
Today · 4.125%
HK$102,996
baseline
▲ 0.50% · 4.625%
HK$108,425
+HK$5,429/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,992/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,475
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,663
−HK$3,238/mo
Today · 4.125%
HK$108,901
baseline
▲ 0.50% · 4.625%
HK$115,528
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,802/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,003
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,060
−HK$3,102/mo
Today · 4.125%
HK$120,162
baseline
▲ 0.50% · 4.625%
HK$126,496
+HK$6,334/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,324/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,754
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,852
−HK$4,164/mo
Today · 4.125%
HK$140,016
baseline
▲ 0.50% · 4.625%
HK$148,535
+HK$8,519/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,032/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,575
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,506
−HK$3,988/mo
Today · 4.125%
HK$154,494
baseline
▲ 0.50% · 4.625%
HK$162,637
+HK$8,143/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,988/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,255 · Scale 2, in force from 26 Feb 2026)