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$73,085
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$2,309/mo
Today · 4.125%
HK$77,668
baseline
▲ 0.50% · 4.625%
HK$82,394
+HK$4,726/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$155,336/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,307
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,487
−HK$2,212/mo
Today · 4.125%
HK$85,699
baseline
▲ 0.50% · 4.625%
HK$90,217
+HK$4,518/mo
Deposit HK$16.03M · loan HK$16.03M · min. income ≈ HK$171,398/mo (50% DSR)
Upfront cash ≈ HK$17.39M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,702
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,430
−HK$2,772/mo
Today · 4.125%
HK$93,202
baseline
▲ 0.50% · 4.625%
HK$98,873
+HK$5,671/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$186,404/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,568
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,185
−HK$2,654/mo
Today · 4.125%
HK$102,839
baseline
▲ 0.50% · 4.625%
HK$108,260
+HK$5,421/mo
Deposit HK$12.82M · loan HK$19.23M · min. income ≈ HK$205,678/mo (50% DSR)
Upfront cash ≈ HK$14.18M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,319
−HK$6,417/mo
▼ 0.25% · 3.875%
HK$105,502
−HK$3,234/mo
Today · 4.125%
HK$108,736
baseline
▲ 0.50% · 4.625%
HK$115,352
+HK$6,616/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,472/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,829
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$116,882
−HK$3,097/mo
Today · 4.125%
HK$119,979
baseline
▲ 0.50% · 4.625%
HK$126,303
+HK$6,324/mo
Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$239,958/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,553
−HK$8,250/mo
▼ 0.25% · 3.875%
HK$135,646
−HK$4,157/mo
Today · 4.125%
HK$139,803
baseline
▲ 0.50% · 4.625%
HK$148,310
+HK$8,507/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$279,606/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,352
−HK$7,907/mo
▼ 0.25% · 3.875%
HK$150,277
−HK$3,982/mo
Today · 4.125%
HK$154,259
baseline
▲ 0.50% · 4.625%
HK$162,390
+HK$8,131/mo
Deposit HK$3.21M · loan HK$28.85M · min. income ≈ HK$308,518/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,362,182 · Scale 2, in force from 26 Feb 2026)