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$73,384
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,666
−HK$2,320/mo
Today · 4.125%
HK$77,986
baseline
▲ 0.50% · 4.625%
HK$82,731
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,972/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,639
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,828
−HK$2,221/mo
Today · 4.125%
HK$86,049
baseline
▲ 0.50% · 4.625%
HK$90,585
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,098/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,060
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,800
−HK$2,783/mo
Today · 4.125%
HK$93,583
baseline
▲ 0.50% · 4.625%
HK$99,277
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,166/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,966
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,594
−HK$2,665/mo
Today · 4.125%
HK$103,259
baseline
▲ 0.50% · 4.625%
HK$108,702
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,518/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,737
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,933
−HK$3,247/mo
Today · 4.125%
HK$109,180
baseline
▲ 0.50% · 4.625%
HK$115,823
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,360/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,294
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,359
−HK$3,110/mo
Today · 4.125%
HK$120,469
baseline
▲ 0.50% · 4.625%
HK$126,819
+HK$6,350/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,938/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,091
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,199
−HK$4,175/mo
Today · 4.125%
HK$140,374
baseline
▲ 0.50% · 4.625%
HK$148,915
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,748/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,950
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,891
−HK$3,998/mo
Today · 4.125%
HK$154,889
baseline
▲ 0.50% · 4.625%
HK$163,053
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,778/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,745 · Scale 2, in force from 26 Feb 2026)