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$73,020
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,291
−HK$2,308/mo
Today · 4.125%
HK$77,599
baseline
▲ 0.50% · 4.625%
HK$82,320
+HK$4,721/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,198/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,234
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,412
−HK$2,211/mo
Today · 4.125%
HK$85,623
baseline
▲ 0.50% · 4.625%
HK$90,136
+HK$4,513/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,246/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,624
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,349
−HK$2,770/mo
Today · 4.125%
HK$93,119
baseline
▲ 0.50% · 4.625%
HK$98,785
+HK$5,666/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,238/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,481
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,095
−HK$2,652/mo
Today · 4.125%
HK$102,747
baseline
▲ 0.50% · 4.625%
HK$108,163
+HK$5,416/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,494/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,228
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$3,230/mo
Today · 4.125%
HK$108,638
baseline
▲ 0.50% · 4.625%
HK$115,249
+HK$6,611/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,276/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,727
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,777
−HK$3,095/mo
Today · 4.125%
HK$119,872
baseline
▲ 0.50% · 4.625%
HK$126,190
+HK$6,318/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,744/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,436
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,524
−HK$4,154/mo
Today · 4.125%
HK$139,678
baseline
▲ 0.50% · 4.625%
HK$148,177
+HK$8,499/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,356/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,221
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,142
−HK$3,979/mo
Today · 4.125%
HK$154,121
baseline
▲ 0.50% · 4.625%
HK$162,245
+HK$8,124/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,242/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,962 · Scale 2, in force from 26 Feb 2026)