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$73,308
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,588
−HK$2,317/mo
Today · 4.125%
HK$77,905
baseline
▲ 0.50% · 4.625%
HK$82,646
+HK$4,741/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,810/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,555
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,742
−HK$2,219/mo
Today · 4.125%
HK$85,961
baseline
▲ 0.50% · 4.625%
HK$90,492
+HK$4,531/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,922/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,970
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,706
−HK$2,780/mo
Today · 4.125%
HK$93,486
baseline
▲ 0.50% · 4.625%
HK$99,175
+HK$5,689/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,972/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,866
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,490
−HK$2,663/mo
Today · 4.125%
HK$103,153
baseline
▲ 0.50% · 4.625%
HK$108,590
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,306/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,631
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,824
−HK$3,243/mo
Today · 4.125%
HK$109,067
baseline
▲ 0.50% · 4.625%
HK$115,704
+HK$6,637/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,134/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,176
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,239
−HK$3,106/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$126,689
+HK$6,344/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,955
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,059
−HK$4,170/mo
Today · 4.125%
HK$140,229
baseline
▲ 0.50% · 4.625%
HK$148,762
+HK$8,533/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,458/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,798
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,735
−HK$3,994/mo
Today · 4.125%
HK$154,729
baseline
▲ 0.50% · 4.625%
HK$162,885
+HK$8,156/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,458/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,337 · Scale 2, in force from 26 Feb 2026)