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$73,229
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,507
−HK$2,314/mo
Today · 4.125%
HK$77,821
baseline
▲ 0.50% · 4.625%
HK$82,556
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,642/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,467
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,652
−HK$2,216/mo
Today · 4.125%
HK$85,868
baseline
▲ 0.50% · 4.625%
HK$90,394
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,736/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,875
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,608
−HK$2,777/mo
Today · 4.125%
HK$93,385
baseline
▲ 0.50% · 4.625%
HK$99,068
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,770/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,760
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,382
−HK$2,660/mo
Today · 4.125%
HK$103,042
baseline
▲ 0.50% · 4.625%
HK$108,473
+HK$5,431/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,084/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,521
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,710
−HK$3,240/mo
Today · 4.125%
HK$108,950
baseline
▲ 0.50% · 4.625%
HK$115,579
+HK$6,629/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,900/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,053
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,112
−HK$3,103/mo
Today · 4.125%
HK$120,215
baseline
▲ 0.50% · 4.625%
HK$126,552
+HK$6,337/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,430/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,812
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,912
−HK$4,166/mo
Today · 4.125%
HK$140,078
baseline
▲ 0.50% · 4.625%
HK$148,602
+HK$8,524/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,156/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,640
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,573
−HK$3,989/mo
Today · 4.125%
HK$154,562
baseline
▲ 0.50% · 4.625%
HK$162,710
+HK$8,148/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,124/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,863 · Scale 2, in force from 26 Feb 2026)