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$73,066
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,339
−HK$2,309/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$82,373
+HK$4,725/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,285
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,465
−HK$2,212/mo
Today · 4.125%
HK$85,677
baseline
▲ 0.50% · 4.625%
HK$90,193
+HK$4,516/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,354/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,679
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,407
−HK$2,771/mo
Today · 4.125%
HK$93,178
baseline
▲ 0.50% · 4.625%
HK$98,847
+HK$5,669/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,356/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,542
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,158
−HK$2,654/mo
Today · 4.125%
HK$102,812
baseline
▲ 0.50% · 4.625%
HK$108,232
+HK$5,420/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,624/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,292
−HK$6,415/mo
▼ 0.25% · 3.875%
HK$105,474
−HK$3,233/mo
Today · 4.125%
HK$108,707
baseline
▲ 0.50% · 4.625%
HK$115,322
+HK$6,615/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$217,414/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,799
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$116,851
−HK$3,097/mo
Today · 4.125%
HK$119,948
baseline
▲ 0.50% · 4.625%
HK$126,270
+HK$6,322/mo
Deposit HK$9.61M · loan HK$22.43M · min. income ≈ HK$239,896/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,519
−HK$8,247/mo
▼ 0.25% · 3.875%
HK$135,610
−HK$4,156/mo
Today · 4.125%
HK$139,766
baseline
▲ 0.50% · 4.625%
HK$148,271
+HK$8,505/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$279,532/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,313
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$150,237
−HK$3,981/mo
Today · 4.125%
HK$154,218
baseline
▲ 0.50% · 4.625%
HK$162,347
+HK$8,129/mo
Deposit HK$3.20M · loan HK$28.84M · min. income ≈ HK$308,436/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,361,824 · Scale 2, in force from 26 Feb 2026)