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$73,010
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,281
−HK$2,307/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$82,309
+HK$4,721/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,222
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,401
−HK$2,210/mo
Today · 4.125%
HK$85,611
baseline
▲ 0.50% · 4.625%
HK$90,123
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,222/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,611
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,337
−HK$2,768/mo
Today · 4.125%
HK$93,105
baseline
▲ 0.50% · 4.625%
HK$98,771
+HK$5,666/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,210/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,467
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,081
−HK$2,652/mo
Today · 4.125%
HK$102,733
baseline
▲ 0.50% · 4.625%
HK$108,148
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,466/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,213
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,393
−HK$3,230/mo
Today · 4.125%
HK$108,623
baseline
▲ 0.50% · 4.625%
HK$115,233
+HK$6,610/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$217,246/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,711
−HK$6,144/mo
▼ 0.25% · 3.875%
HK$116,761
−HK$3,094/mo
Today · 4.125%
HK$119,855
baseline
▲ 0.50% · 4.625%
HK$126,173
+HK$6,318/mo
Deposit HK$9.61M · loan HK$22.41M · min. income ≈ HK$239,710/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,417
−HK$8,241/mo
▼ 0.25% · 3.875%
HK$135,505
−HK$4,153/mo
Today · 4.125%
HK$139,658
baseline
▲ 0.50% · 4.625%
HK$148,156
+HK$8,498/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,316/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,200
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$150,121
−HK$3,978/mo
Today · 4.125%
HK$154,099
baseline
▲ 0.50% · 4.625%
HK$162,222
+HK$8,123/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,198/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,771 · Scale 2, in force from 26 Feb 2026)