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$73,054
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,326
−HK$2,309/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$82,359
+HK$4,724/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,272
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,451
−HK$2,212/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,178
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,665
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,392
−HK$2,770/mo
Today · 4.125%
HK$93,162
baseline
▲ 0.50% · 4.625%
HK$98,831
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$186,324/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,526
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,142
−HK$2,653/mo
Today · 4.125%
HK$102,795
baseline
▲ 0.50% · 4.625%
HK$108,214
+HK$5,419/mo
Deposit HK$12.82M · loan HK$19.22M · min. income ≈ HK$205,590/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,275
−HK$6,414/mo
▼ 0.25% · 3.875%
HK$105,457
−HK$3,232/mo
Today · 4.125%
HK$108,689
baseline
▲ 0.50% · 4.625%
HK$115,303
+HK$6,614/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,378/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,780
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$116,832
−HK$3,096/mo
Today · 4.125%
HK$119,928
baseline
▲ 0.50% · 4.625%
HK$126,249
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,856/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,497
−HK$8,246/mo
▼ 0.25% · 3.875%
HK$135,587
−HK$4,156/mo
Today · 4.125%
HK$139,743
baseline
▲ 0.50% · 4.625%
HK$148,246
+HK$8,503/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,486/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,289
−HK$7,904/mo
▼ 0.25% · 3.875%
HK$150,213
−HK$3,980/mo
Today · 4.125%
HK$154,193
baseline
▲ 0.50% · 4.625%
HK$162,320
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,386/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,598 · Scale 2, in force from 26 Feb 2026)