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$73,335
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,617
−HK$2,317/mo
Today · 4.125%
HK$77,934
baseline
▲ 0.50% · 4.625%
HK$82,676
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,868/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,585
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,773
−HK$2,220/mo
Today · 4.125%
HK$85,993
baseline
▲ 0.50% · 4.625%
HK$90,525
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,986/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,002
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,740
−HK$2,781/mo
Today · 4.125%
HK$93,521
baseline
▲ 0.50% · 4.625%
HK$99,212
+HK$5,691/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$187,042/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,902
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,528
−HK$2,663/mo
Today · 4.125%
HK$103,191
baseline
▲ 0.50% · 4.625%
HK$108,631
+HK$5,440/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$206,382/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,670
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,863
−HK$3,245/mo
Today · 4.125%
HK$109,108
baseline
▲ 0.50% · 4.625%
HK$115,747
+HK$6,639/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,216/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,219
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,282
−HK$3,108/mo
Today · 4.125%
HK$120,390
baseline
▲ 0.50% · 4.625%
HK$126,736
+HK$6,346/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,780/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,004
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,110
−HK$4,172/mo
Today · 4.125%
HK$140,282
baseline
▲ 0.50% · 4.625%
HK$148,817
+HK$8,535/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,564/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,853
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,791
−HK$3,996/mo
Today · 4.125%
HK$154,787
baseline
▲ 0.50% · 4.625%
HK$162,946
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,574/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,845 · Scale 2, in force from 26 Feb 2026)