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$73,164
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,440
−HK$2,312/mo
Today · 4.125%
HK$77,752
baseline
▲ 0.50% · 4.625%
HK$82,483
+HK$4,731/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,504/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,394
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,577
−HK$2,215/mo
Today · 4.125%
HK$85,792
baseline
▲ 0.50% · 4.625%
HK$90,314
+HK$4,522/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,584/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,797
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$90,528
−HK$2,775/mo
Today · 4.125%
HK$93,303
baseline
▲ 0.50% · 4.625%
HK$98,980
+HK$5,677/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$186,606/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,673
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$100,293
−HK$2,657/mo
Today · 4.125%
HK$102,950
baseline
▲ 0.50% · 4.625%
HK$108,377
+HK$5,427/mo
Deposit HK$12.83M · loan HK$19.25M · min. income ≈ HK$205,900/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,430
−HK$6,423/mo
▼ 0.25% · 3.875%
HK$105,616
−HK$3,237/mo
Today · 4.125%
HK$108,853
baseline
▲ 0.50% · 4.625%
HK$115,476
+HK$6,623/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$217,706/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,952
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$117,008
−HK$3,101/mo
Today · 4.125%
HK$120,109
baseline
▲ 0.50% · 4.625%
HK$126,440
+HK$6,331/mo
Deposit HK$9.63M · loan HK$22.46M · min. income ≈ HK$240,218/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,695
−HK$8,259/mo
▼ 0.25% · 3.875%
HK$135,792
−HK$4,162/mo
Today · 4.125%
HK$139,954
baseline
▲ 0.50% · 4.625%
HK$148,470
+HK$8,516/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$279,908/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,510
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$150,439
−HK$3,986/mo
Today · 4.125%
HK$154,425
baseline
▲ 0.50% · 4.625%
HK$162,565
+HK$8,140/mo
Deposit HK$3.21M · loan HK$28.88M · min. income ≈ HK$308,850/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,652 · Scale 2, in force from 26 Feb 2026)