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$73,020
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$2,307/mo
Today · 4.125%
HK$77,599
baseline
▲ 0.50% · 4.625%
HK$82,321
+HK$4,722/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$155,198/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,234
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,413
−HK$2,210/mo
Today · 4.125%
HK$85,623
baseline
▲ 0.50% · 4.625%
HK$90,137
+HK$4,514/mo
Deposit HK$16.01M · loan HK$16.01M · min. income ≈ HK$171,246/mo (50% DSR)
Upfront cash ≈ HK$17.37M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,625
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,350
−HK$2,769/mo
Today · 4.125%
HK$93,119
baseline
▲ 0.50% · 4.625%
HK$98,785
+HK$5,666/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$186,238/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,481
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$2,652/mo
Today · 4.125%
HK$102,748
baseline
▲ 0.50% · 4.625%
HK$108,164
+HK$5,416/mo
Deposit HK$12.81M · loan HK$19.21M · min. income ≈ HK$205,496/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,229
−HK$6,410/mo
▼ 0.25% · 3.875%
HK$105,408
−HK$3,231/mo
Today · 4.125%
HK$108,639
baseline
▲ 0.50% · 4.625%
HK$115,250
+HK$6,611/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,278/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,728
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$116,778
−HK$3,095/mo
Today · 4.125%
HK$119,873
baseline
▲ 0.50% · 4.625%
HK$126,191
+HK$6,318/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,746/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,437
−HK$8,242/mo
▼ 0.25% · 3.875%
HK$135,525
−HK$4,154/mo
Today · 4.125%
HK$139,679
baseline
▲ 0.50% · 4.625%
HK$148,178
+HK$8,499/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$279,358/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,222
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$150,144
−HK$3,978/mo
Today · 4.125%
HK$154,122
baseline
▲ 0.50% · 4.625%
HK$162,246
+HK$8,124/mo
Deposit HK$3.20M · loan HK$28.82M · min. income ≈ HK$308,244/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,360,974 · Scale 2, in force from 26 Feb 2026)