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$73,199
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,476
−HK$2,313/mo
Today · 4.125%
HK$77,789
baseline
▲ 0.50% · 4.625%
HK$82,522
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,578/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,433
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,617
−HK$2,215/mo
Today · 4.125%
HK$85,832
baseline
▲ 0.50% · 4.625%
HK$90,357
+HK$4,525/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,664/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,838
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,571
−HK$2,776/mo
Today · 4.125%
HK$93,347
baseline
▲ 0.50% · 4.625%
HK$99,027
+HK$5,680/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,694/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,719
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,340
−HK$2,659/mo
Today · 4.125%
HK$102,999
baseline
▲ 0.50% · 4.625%
HK$108,428
+HK$5,429/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,998/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,478
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,666
−HK$3,238/mo
Today · 4.125%
HK$108,904
baseline
▲ 0.50% · 4.625%
HK$115,531
+HK$6,627/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,808/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,006
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,063
−HK$3,102/mo
Today · 4.125%
HK$120,165
baseline
▲ 0.50% · 4.625%
HK$126,499
+HK$6,334/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,330/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,758
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,856
−HK$4,164/mo
Today · 4.125%
HK$140,020
baseline
▲ 0.50% · 4.625%
HK$148,540
+HK$8,520/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,040/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,579
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,510
−HK$3,988/mo
Today · 4.125%
HK$154,498
baseline
▲ 0.50% · 4.625%
HK$162,642
+HK$8,144/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,996/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,296 · Scale 2, in force from 26 Feb 2026)