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$73,095
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,368
−HK$2,310/mo
Today · 4.125%
HK$77,678
baseline
▲ 0.50% · 4.625%
HK$82,405
+HK$4,727/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,356/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,317
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,498
−HK$2,212/mo
Today · 4.125%
HK$85,710
baseline
▲ 0.50% · 4.625%
HK$90,228
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,420/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,714
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,442
−HK$2,772/mo
Today · 4.125%
HK$93,214
baseline
▲ 0.50% · 4.625%
HK$98,886
+HK$5,672/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,428/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,581
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,198
−HK$2,655/mo
Today · 4.125%
HK$102,853
baseline
▲ 0.50% · 4.625%
HK$108,274
+HK$5,421/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,706/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,333
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,516
−HK$3,234/mo
Today · 4.125%
HK$108,750
baseline
▲ 0.50% · 4.625%
HK$115,367
+HK$6,617/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,500/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,844
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$116,897
−HK$3,098/mo
Today · 4.125%
HK$119,995
baseline
▲ 0.50% · 4.625%
HK$126,320
+HK$6,325/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$239,990/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,571
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,663
−HK$4,158/mo
Today · 4.125%
HK$139,821
baseline
▲ 0.50% · 4.625%
HK$148,329
+HK$8,508/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,642/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,371
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$150,297
−HK$3,982/mo
Today · 4.125%
HK$154,279
baseline
▲ 0.50% · 4.625%
HK$162,411
+HK$8,132/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,558/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,359 · Scale 2, in force from 26 Feb 2026)