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$73,135
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$2,311/mo
Today · 4.125%
HK$77,721
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,730/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,442/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,362
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,214/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,278
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,762
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$90,492
−HK$2,774/mo
Today · 4.125%
HK$93,266
baseline
▲ 0.50% · 4.625%
HK$98,941
+HK$5,675/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,532/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,635
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$100,253
−HK$2,656/mo
Today · 4.125%
HK$102,909
baseline
▲ 0.50% · 4.625%
HK$108,334
+HK$5,425/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,818/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,389
−HK$6,421/mo
▼ 0.25% · 3.875%
HK$105,574
−HK$3,236/mo
Today · 4.125%
HK$108,810
baseline
▲ 0.50% · 4.625%
HK$115,431
+HK$6,621/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,620/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,907
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,962
−HK$3,099/mo
Today · 4.125%
HK$120,061
baseline
▲ 0.50% · 4.625%
HK$126,390
+HK$6,329/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,122/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,643
−HK$8,255/mo
▼ 0.25% · 3.875%
HK$135,738
−HK$4,160/mo
Today · 4.125%
HK$139,898
baseline
▲ 0.50% · 4.625%
HK$148,411
+HK$8,513/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$279,796/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,452
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,380
−HK$3,984/mo
Today · 4.125%
HK$154,364
baseline
▲ 0.50% · 4.625%
HK$162,501
+HK$8,137/mo
Deposit HK$3.21M · loan HK$28.87M · min. income ≈ HK$308,728/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,112 · Scale 2, in force from 26 Feb 2026)