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$73,299
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,579
−HK$2,317/mo
Today · 4.125%
HK$77,896
baseline
▲ 0.50% · 4.625%
HK$82,635
+HK$4,739/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,792/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,544
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,219/mo
Today · 4.125%
HK$85,950
baseline
▲ 0.50% · 4.625%
HK$90,481
+HK$4,531/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,900/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,959
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,695
−HK$2,780/mo
Today · 4.125%
HK$93,475
baseline
▲ 0.50% · 4.625%
HK$99,162
+HK$5,687/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,950/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,853
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,478
−HK$2,662/mo
Today · 4.125%
HK$103,140
baseline
▲ 0.50% · 4.625%
HK$108,577
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,280/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,619
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,811
−HK$3,243/mo
Today · 4.125%
HK$109,054
baseline
▲ 0.50% · 4.625%
HK$115,689
+HK$6,635/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,108/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,162
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,224
−HK$3,106/mo
Today · 4.125%
HK$120,330
baseline
▲ 0.50% · 4.625%
HK$126,673
+HK$6,343/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,660/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,938
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,042
−HK$4,170/mo
Today · 4.125%
HK$140,212
baseline
▲ 0.50% · 4.625%
HK$148,744
+HK$8,532/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,424/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,780
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,717
−HK$3,993/mo
Today · 4.125%
HK$154,710
baseline
▲ 0.50% · 4.625%
HK$162,865
+HK$8,155/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,420/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,167 · Scale 2, in force from 26 Feb 2026)