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$73,264
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,543
−HK$2,315/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,505
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,691
−HK$2,218/mo
Today · 4.125%
HK$85,909
baseline
▲ 0.50% · 4.625%
HK$90,437
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,818/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,916
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,651
−HK$2,779/mo
Today · 4.125%
HK$93,430
baseline
▲ 0.50% · 4.625%
HK$99,115
+HK$5,685/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$186,860/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,806
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,429
−HK$2,661/mo
Today · 4.125%
HK$103,090
baseline
▲ 0.50% · 4.625%
HK$108,524
+HK$5,434/mo
Deposit HK$12.85M · loan HK$19.28M · min. income ≈ HK$206,180/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,569
−HK$6,432/mo
▼ 0.25% · 3.875%
HK$105,760
−HK$3,241/mo
Today · 4.125%
HK$109,001
baseline
▲ 0.50% · 4.625%
HK$115,634
+HK$6,633/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$218,002/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,107
−HK$6,165/mo
▼ 0.25% · 3.875%
HK$117,168
−HK$3,104/mo
Today · 4.125%
HK$120,272
baseline
▲ 0.50% · 4.625%
HK$126,612
+HK$6,340/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,544/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,875
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,977
−HK$4,167/mo
Today · 4.125%
HK$140,144
baseline
▲ 0.50% · 4.625%
HK$148,672
+HK$8,528/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$280,288/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,709
−HK$7,927/mo
▼ 0.25% · 3.875%
HK$150,644
−HK$3,992/mo
Today · 4.125%
HK$154,636
baseline
▲ 0.50% · 4.625%
HK$162,787
+HK$8,151/mo
Deposit HK$3.21M · loan HK$28.92M · min. income ≈ HK$309,272/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,509 · Scale 2, in force from 26 Feb 2026)