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$73,001
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,272
−HK$2,307/mo
Today · 4.125%
HK$77,579
baseline
▲ 0.50% · 4.625%
HK$82,299
+HK$4,720/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,158/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,213
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,391
−HK$2,209/mo
Today · 4.125%
HK$85,600
baseline
▲ 0.50% · 4.625%
HK$90,112
+HK$4,512/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,200/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,601
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,326
−HK$2,768/mo
Today · 4.125%
HK$93,094
baseline
▲ 0.50% · 4.625%
HK$98,759
+HK$5,665/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,188/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,455
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,069
−HK$2,651/mo
Today · 4.125%
HK$102,720
baseline
▲ 0.50% · 4.625%
HK$108,135
+HK$5,415/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,440/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,201
−HK$6,409/mo
▼ 0.25% · 3.875%
HK$105,380
−HK$3,230/mo
Today · 4.125%
HK$108,610
baseline
▲ 0.50% · 4.625%
HK$115,219
+HK$6,609/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$217,220/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,698
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$116,747
−HK$3,094/mo
Today · 4.125%
HK$119,841
baseline
▲ 0.50% · 4.625%
HK$126,157
+HK$6,316/mo
Deposit HK$9.60M · loan HK$22.41M · min. income ≈ HK$239,682/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,402
−HK$8,240/mo
▼ 0.25% · 3.875%
HK$135,489
−HK$4,153/mo
Today · 4.125%
HK$139,642
baseline
▲ 0.50% · 4.625%
HK$148,138
+HK$8,496/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$279,284/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,183
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$150,103
−HK$3,978/mo
Today · 4.125%
HK$154,081
baseline
▲ 0.50% · 4.625%
HK$162,202
+HK$8,121/mo
Deposit HK$3.20M · loan HK$28.81M · min. income ≈ HK$308,162/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,609 · Scale 2, in force from 26 Feb 2026)