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$73,187
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,464
−HK$2,313/mo
Today · 4.125%
HK$77,777
baseline
▲ 0.50% · 4.625%
HK$82,509
+HK$4,732/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,554/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,420
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,604
−HK$2,215/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,825
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$90,557
−HK$2,775/mo
Today · 4.125%
HK$93,332
baseline
▲ 0.50% · 4.625%
HK$99,011
+HK$5,679/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,664/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,704
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,325
−HK$2,658/mo
Today · 4.125%
HK$102,983
baseline
▲ 0.50% · 4.625%
HK$108,411
+HK$5,428/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,966/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,462
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,650
−HK$3,238/mo
Today · 4.125%
HK$108,888
baseline
▲ 0.50% · 4.625%
HK$115,513
+HK$6,625/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,776/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,988
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,045
−HK$3,102/mo
Today · 4.125%
HK$120,147
baseline
▲ 0.50% · 4.625%
HK$126,480
+HK$6,333/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,294/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,737
−HK$8,261/mo
▼ 0.25% · 3.875%
HK$135,835
−HK$4,163/mo
Today · 4.125%
HK$139,998
baseline
▲ 0.50% · 4.625%
HK$148,517
+HK$8,519/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$279,996/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,556
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$150,487
−HK$3,987/mo
Today · 4.125%
HK$154,474
baseline
▲ 0.50% · 4.625%
HK$162,617
+HK$8,143/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,948/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,086 · Scale 2, in force from 26 Feb 2026)