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$73,391
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,674
−HK$2,320/mo
Today · 4.125%
HK$77,994
baseline
▲ 0.50% · 4.625%
HK$82,739
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,988/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,647
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,837
−HK$2,221/mo
Today · 4.125%
HK$86,058
baseline
▲ 0.50% · 4.625%
HK$90,595
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,116/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,070
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,809
−HK$2,783/mo
Today · 4.125%
HK$93,592
baseline
▲ 0.50% · 4.625%
HK$99,287
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,184/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,977
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,604
−HK$2,666/mo
Today · 4.125%
HK$103,270
baseline
▲ 0.50% · 4.625%
HK$108,714
+HK$5,444/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,540/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,748
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,944
−HK$3,247/mo
Today · 4.125%
HK$109,191
baseline
▲ 0.50% · 4.625%
HK$115,835
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,382/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,306
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,372
−HK$3,110/mo
Today · 4.125%
HK$120,482
baseline
▲ 0.50% · 4.625%
HK$126,832
+HK$6,350/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,964/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,105
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,214
−HK$4,175/mo
Today · 4.125%
HK$140,389
baseline
▲ 0.50% · 4.625%
HK$148,931
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,778/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,965
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,907
−HK$3,998/mo
Today · 4.125%
HK$154,905
baseline
▲ 0.50% · 4.625%
HK$163,070
+HK$8,165/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,810/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,889 · Scale 2, in force from 26 Feb 2026)