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$73,325
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,606
−HK$2,317/mo
Today · 4.125%
HK$77,923
baseline
▲ 0.50% · 4.625%
HK$82,665
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,846/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,574
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,761
−HK$2,220/mo
Today · 4.125%
HK$85,981
baseline
▲ 0.50% · 4.625%
HK$90,513
+HK$4,532/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,962/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,990
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,727
−HK$2,781/mo
Today · 4.125%
HK$93,508
baseline
▲ 0.50% · 4.625%
HK$99,198
+HK$5,690/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$187,016/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,888
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,514
−HK$2,663/mo
Today · 4.125%
HK$103,177
baseline
▲ 0.50% · 4.625%
HK$108,616
+HK$5,439/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,354/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,655
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,849
−HK$3,244/mo
Today · 4.125%
HK$109,093
baseline
▲ 0.50% · 4.625%
HK$115,731
+HK$6,638/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,186/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,203
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$117,266
−HK$3,107/mo
Today · 4.125%
HK$120,373
baseline
▲ 0.50% · 4.625%
HK$126,718
+HK$6,345/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,746/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,986
−HK$8,276/mo
▼ 0.25% · 3.875%
HK$136,091
−HK$4,171/mo
Today · 4.125%
HK$140,262
baseline
▲ 0.50% · 4.625%
HK$148,797
+HK$8,535/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$280,524/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,833
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$150,771
−HK$3,994/mo
Today · 4.125%
HK$154,765
baseline
▲ 0.50% · 4.625%
HK$162,923
+HK$8,158/mo
Deposit HK$3.22M · loan HK$28.94M · min. income ≈ HK$309,530/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,656 · Scale 2, in force from 26 Feb 2026)