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$73,326
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,607
−HK$2,317/mo
Today · 4.125%
HK$77,924
baseline
▲ 0.50% · 4.625%
HK$82,665
+HK$4,741/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,848/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,574
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,219/mo
Today · 4.125%
HK$85,981
baseline
▲ 0.50% · 4.625%
HK$90,514
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,962/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,991
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,728
−HK$2,781/mo
Today · 4.125%
HK$93,509
baseline
▲ 0.50% · 4.625%
HK$99,198
+HK$5,689/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$187,018/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,889
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,514
−HK$2,664/mo
Today · 4.125%
HK$103,178
baseline
▲ 0.50% · 4.625%
HK$108,616
+HK$5,438/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,356/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,656
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,849
−HK$3,245/mo
Today · 4.125%
HK$109,094
baseline
▲ 0.50% · 4.625%
HK$115,732
+HK$6,638/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,188/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,204
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,267
−HK$3,107/mo
Today · 4.125%
HK$120,374
baseline
▲ 0.50% · 4.625%
HK$126,719
+HK$6,345/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,748/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,986
−HK$8,277/mo
▼ 0.25% · 3.875%
HK$136,092
−HK$4,171/mo
Today · 4.125%
HK$140,263
baseline
▲ 0.50% · 4.625%
HK$148,798
+HK$8,535/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,526/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,834
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,772
−HK$3,994/mo
Today · 4.125%
HK$154,766
baseline
▲ 0.50% · 4.625%
HK$162,924
+HK$8,158/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,532/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,665 · Scale 2, in force from 26 Feb 2026)