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$73,126
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$2,311/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$82,440
+HK$4,728/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,352
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,534
−HK$2,213/mo
Today · 4.125%
HK$85,747
baseline
▲ 0.50% · 4.625%
HK$90,267
+HK$4,520/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,494/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,751
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,481
−HK$2,773/mo
Today · 4.125%
HK$93,254
baseline
▲ 0.50% · 4.625%
HK$98,928
+HK$5,674/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,508/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,622
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,240
−HK$2,657/mo
Today · 4.125%
HK$102,897
baseline
▲ 0.50% · 4.625%
HK$108,320
+HK$5,423/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,794/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,376
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,561
−HK$3,235/mo
Today · 4.125%
HK$108,796
baseline
▲ 0.50% · 4.625%
HK$115,416
+HK$6,620/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,592/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,893
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$116,947
−HK$3,099/mo
Today · 4.125%
HK$120,046
baseline
▲ 0.50% · 4.625%
HK$126,374
+HK$6,328/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,092/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,627
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,721
−HK$4,160/mo
Today · 4.125%
HK$139,881
baseline
▲ 0.50% · 4.625%
HK$148,392
+HK$8,511/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,762/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,433
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,361
−HK$3,984/mo
Today · 4.125%
HK$154,345
baseline
▲ 0.50% · 4.625%
HK$162,481
+HK$8,136/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,690/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,941 · Scale 2, in force from 26 Feb 2026)