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$73,378
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,660
−HK$2,319/mo
Today · 4.125%
HK$77,979
baseline
▲ 0.50% · 4.625%
HK$82,724
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,958/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,632
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,822
−HK$2,221/mo
Today · 4.125%
HK$86,043
baseline
▲ 0.50% · 4.625%
HK$90,578
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,086/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,054
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,793
−HK$2,782/mo
Today · 4.125%
HK$93,575
baseline
▲ 0.50% · 4.625%
HK$99,269
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,150/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,959
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,586
−HK$2,665/mo
Today · 4.125%
HK$103,251
baseline
▲ 0.50% · 4.625%
HK$108,694
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,502/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,729
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,925
−HK$3,246/mo
Today · 4.125%
HK$109,171
baseline
▲ 0.50% · 4.625%
HK$115,814
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,342/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,285
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,350
−HK$3,110/mo
Today · 4.125%
HK$120,460
baseline
▲ 0.50% · 4.625%
HK$126,809
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,920/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,080
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,189
−HK$4,174/mo
Today · 4.125%
HK$140,363
baseline
▲ 0.50% · 4.625%
HK$148,904
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,726/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,938
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,879
−HK$3,998/mo
Today · 4.125%
HK$154,877
baseline
▲ 0.50% · 4.625%
HK$163,041
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,754/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,639 · Scale 2, in force from 26 Feb 2026)