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$73,046
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,318
−HK$2,309/mo
Today · 4.125%
HK$77,627
baseline
▲ 0.50% · 4.625%
HK$82,350
+HK$4,723/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$155,254/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,263
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,442
−HK$2,211/mo
Today · 4.125%
HK$85,653
baseline
▲ 0.50% · 4.625%
HK$90,168
+HK$4,515/mo
Deposit HK$16.02M · loan HK$16.02M · min. income ≈ HK$171,306/mo (50% DSR)
Upfront cash ≈ HK$17.38M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,655
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,382
−HK$2,770/mo
Today · 4.125%
HK$93,152
baseline
▲ 0.50% · 4.625%
HK$98,820
+HK$5,668/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$186,304/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,516
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,131
−HK$2,653/mo
Today · 4.125%
HK$102,784
baseline
▲ 0.50% · 4.625%
HK$108,202
+HK$5,418/mo
Deposit HK$12.81M · loan HK$19.22M · min. income ≈ HK$205,568/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,264
−HK$6,413/mo
▼ 0.25% · 3.875%
HK$105,445
−HK$3,232/mo
Today · 4.125%
HK$108,677
baseline
▲ 0.50% · 4.625%
HK$115,290
+HK$6,613/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$217,354/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,768
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$116,819
−HK$3,096/mo
Today · 4.125%
HK$119,915
baseline
▲ 0.50% · 4.625%
HK$126,236
+HK$6,321/mo
Deposit HK$9.61M · loan HK$22.42M · min. income ≈ HK$239,830/mo (50% DSR)
Upfront cash ≈ HK$10.97M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,483
−HK$8,245/mo
▼ 0.25% · 3.875%
HK$135,573
−HK$4,155/mo
Today · 4.125%
HK$139,728
baseline
▲ 0.50% · 4.625%
HK$148,230
+HK$8,502/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$279,456/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,273
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$150,196
−HK$3,980/mo
Today · 4.125%
HK$154,176
baseline
▲ 0.50% · 4.625%
HK$162,303
+HK$8,127/mo
Deposit HK$3.20M · loan HK$28.83M · min. income ≈ HK$308,352/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,361,450 · Scale 2, in force from 26 Feb 2026)