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$73,040
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,312
−HK$2,309/mo
Today · 4.125%
HK$77,621
baseline
▲ 0.50% · 4.625%
HK$82,344
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,242/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,257
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,436
−HK$2,211/mo
Today · 4.125%
HK$85,647
baseline
▲ 0.50% · 4.625%
HK$90,161
+HK$4,514/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,294/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,648
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,375
−HK$2,770/mo
Today · 4.125%
HK$93,145
baseline
▲ 0.50% · 4.625%
HK$98,812
+HK$5,667/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,290/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,508
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,123
−HK$2,653/mo
Today · 4.125%
HK$102,776
baseline
▲ 0.50% · 4.625%
HK$108,193
+HK$5,417/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,552/mo (50% DSR)
Upfront cash ≈ HK$14.17M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,256
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,437
−HK$3,232/mo
Today · 4.125%
HK$108,669
baseline
▲ 0.50% · 4.625%
HK$115,281
+HK$6,612/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,338/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,759
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$116,810
−HK$3,095/mo
Today · 4.125%
HK$119,905
baseline
▲ 0.50% · 4.625%
HK$126,226
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,810/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,473
−HK$8,244/mo
▼ 0.25% · 3.875%
HK$135,562
−HK$4,155/mo
Today · 4.125%
HK$139,717
baseline
▲ 0.50% · 4.625%
HK$148,218
+HK$8,501/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,434/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,262
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$150,185
−HK$3,979/mo
Today · 4.125%
HK$154,164
baseline
▲ 0.50% · 4.625%
HK$162,290
+HK$8,126/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,328/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,344 · Scale 2, in force from 26 Feb 2026)