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$73,107
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$2,311/mo
Today · 4.125%
HK$77,692
baseline
▲ 0.50% · 4.625%
HK$82,419
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,384/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,331
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,213/mo
Today · 4.125%
HK$85,725
baseline
▲ 0.50% · 4.625%
HK$90,244
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,450/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,729
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,457
−HK$2,773/mo
Today · 4.125%
HK$93,230
baseline
▲ 0.50% · 4.625%
HK$98,903
+HK$5,673/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,460/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,597
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,215
−HK$2,655/mo
Today · 4.125%
HK$102,870
baseline
▲ 0.50% · 4.625%
HK$108,292
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,740/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,350
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,534
−HK$3,234/mo
Today · 4.125%
HK$108,768
baseline
▲ 0.50% · 4.625%
HK$115,387
+HK$6,619/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,536/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,863
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,917
−HK$3,098/mo
Today · 4.125%
HK$120,015
baseline
▲ 0.50% · 4.625%
HK$126,341
+HK$6,326/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,030/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,593
−HK$8,252/mo
▼ 0.25% · 3.875%
HK$135,686
−HK$4,159/mo
Today · 4.125%
HK$139,845
baseline
▲ 0.50% · 4.625%
HK$148,354
+HK$8,509/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,690/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,396
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,322
−HK$3,983/mo
Today · 4.125%
HK$154,305
baseline
▲ 0.50% · 4.625%
HK$162,439
+HK$8,134/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,610/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,590 · Scale 2, in force from 26 Feb 2026)