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$72,995
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,265
−HK$2,307/mo
Today · 4.125%
HK$77,572
baseline
▲ 0.50% · 4.625%
HK$82,292
+HK$4,720/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,144/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,206
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,384
−HK$2,209/mo
Today · 4.125%
HK$85,593
baseline
▲ 0.50% · 4.625%
HK$90,105
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,186/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,594
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,318
−HK$2,768/mo
Today · 4.125%
HK$93,086
baseline
▲ 0.50% · 4.625%
HK$98,751
+HK$5,665/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$186,172/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,447
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,060
−HK$2,652/mo
Today · 4.125%
HK$102,712
baseline
▲ 0.50% · 4.625%
HK$108,126
+HK$5,414/mo
Deposit HK$12.80M · loan HK$19.21M · min. income ≈ HK$205,424/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,192
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,371
−HK$3,230/mo
Today · 4.125%
HK$108,601
baseline
▲ 0.50% · 4.625%
HK$115,209
+HK$6,608/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,202/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,688
−HK$6,142/mo
▼ 0.25% · 3.875%
HK$116,737
−HK$3,093/mo
Today · 4.125%
HK$119,830
baseline
▲ 0.50% · 4.625%
HK$126,147
+HK$6,317/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,660/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,390
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,477
−HK$4,153/mo
Today · 4.125%
HK$139,630
baseline
▲ 0.50% · 4.625%
HK$148,126
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,260/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,170
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,091
−HK$3,977/mo
Today · 4.125%
HK$154,068
baseline
▲ 0.50% · 4.625%
HK$162,189
+HK$8,121/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,136/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,493 · Scale 2, in force from 26 Feb 2026)