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$73,027
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,298
−HK$2,308/mo
Today · 4.125%
HK$77,606
baseline
▲ 0.50% · 4.625%
HK$82,328
+HK$4,722/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,212/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,242
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,420
−HK$2,211/mo
Today · 4.125%
HK$85,631
baseline
▲ 0.50% · 4.625%
HK$90,145
+HK$4,514/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,262/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,632
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,770/mo
Today · 4.125%
HK$93,128
baseline
▲ 0.50% · 4.625%
HK$98,794
+HK$5,666/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,256/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,490
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,105
−HK$2,652/mo
Today · 4.125%
HK$102,757
baseline
▲ 0.50% · 4.625%
HK$108,174
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,514/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,238
−HK$6,411/mo
▼ 0.25% · 3.875%
HK$105,418
−HK$3,231/mo
Today · 4.125%
HK$108,649
baseline
▲ 0.50% · 4.625%
HK$115,260
+HK$6,611/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,298/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,738
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,789
−HK$3,094/mo
Today · 4.125%
HK$119,883
baseline
▲ 0.50% · 4.625%
HK$126,202
+HK$6,319/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,766/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,448
−HK$8,243/mo
▼ 0.25% · 3.875%
HK$135,537
−HK$4,154/mo
Today · 4.125%
HK$139,691
baseline
▲ 0.50% · 4.625%
HK$148,191
+HK$8,500/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,382/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,235
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$150,157
−HK$3,979/mo
Today · 4.125%
HK$154,136
baseline
▲ 0.50% · 4.625%
HK$162,260
+HK$8,124/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,272/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,093 · Scale 2, in force from 26 Feb 2026)