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$73,101
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,375
−HK$2,311/mo
Today · 4.125%
HK$77,686
baseline
▲ 0.50% · 4.625%
HK$82,412
+HK$4,726/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,372/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,325
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,506
−HK$2,212/mo
Today · 4.125%
HK$85,718
baseline
▲ 0.50% · 4.625%
HK$90,237
+HK$4,519/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,436/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,722
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,773/mo
Today · 4.125%
HK$93,223
baseline
▲ 0.50% · 4.625%
HK$98,895
+HK$5,672/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$186,446/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,590
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,207
−HK$2,655/mo
Today · 4.125%
HK$102,862
baseline
▲ 0.50% · 4.625%
HK$108,284
+HK$5,422/mo
Deposit HK$12.82M · loan HK$19.24M · min. income ≈ HK$205,724/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,342
−HK$6,418/mo
▼ 0.25% · 3.875%
HK$105,525
−HK$3,235/mo
Today · 4.125%
HK$108,760
baseline
▲ 0.50% · 4.625%
HK$115,377
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,520/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,854
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$116,908
−HK$3,098/mo
Today · 4.125%
HK$120,006
baseline
▲ 0.50% · 4.625%
HK$126,331
+HK$6,325/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$240,012/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,583
−HK$8,251/mo
▼ 0.25% · 3.875%
HK$135,676
−HK$4,158/mo
Today · 4.125%
HK$139,834
baseline
▲ 0.50% · 4.625%
HK$148,342
+HK$8,508/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,668/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,384
−HK$7,909/mo
▼ 0.25% · 3.875%
HK$150,310
−HK$3,983/mo
Today · 4.125%
HK$154,293
baseline
▲ 0.50% · 4.625%
HK$162,426
+HK$8,133/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,586/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,483 · Scale 2, in force from 26 Feb 2026)