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$73,352
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,634
−HK$2,318/mo
Today · 4.125%
HK$77,952
baseline
▲ 0.50% · 4.625%
HK$82,696
+HK$4,744/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,904/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,604
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,792
−HK$2,221/mo
Today · 4.125%
HK$86,013
baseline
▲ 0.50% · 4.625%
HK$90,547
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,026/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,023
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,761
−HK$2,782/mo
Today · 4.125%
HK$93,543
baseline
▲ 0.50% · 4.625%
HK$99,235
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,086/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,925
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,551
−HK$2,664/mo
Today · 4.125%
HK$103,215
baseline
▲ 0.50% · 4.625%
HK$108,656
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,430/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,693
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,888
−HK$3,245/mo
Today · 4.125%
HK$109,133
baseline
▲ 0.50% · 4.625%
HK$115,774
+HK$6,641/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,266/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,245
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,309
−HK$3,109/mo
Today · 4.125%
HK$120,418
baseline
▲ 0.50% · 4.625%
HK$126,765
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,836/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,034
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,141
−HK$4,173/mo
Today · 4.125%
HK$140,314
baseline
▲ 0.50% · 4.625%
HK$148,852
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,628/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,887
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,826
−HK$3,997/mo
Today · 4.125%
HK$154,823
baseline
▲ 0.50% · 4.625%
HK$162,984
+HK$8,161/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,646/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,163 · Scale 2, in force from 26 Feb 2026)