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$73,133
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,407
−HK$2,312/mo
Today · 4.125%
HK$77,719
baseline
▲ 0.50% · 4.625%
HK$82,448
+HK$4,729/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$155,438/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,359
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,541
−HK$2,214/mo
Today · 4.125%
HK$85,755
baseline
▲ 0.50% · 4.625%
HK$90,275
+HK$4,520/mo
Deposit HK$16.04M · loan HK$16.04M · min. income ≈ HK$171,510/mo (50% DSR)
Upfront cash ≈ HK$17.40M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,759
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$90,489
−HK$2,773/mo
Today · 4.125%
HK$93,262
baseline
▲ 0.50% · 4.625%
HK$98,937
+HK$5,675/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$186,524/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,631
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$100,249
−HK$2,657/mo
Today · 4.125%
HK$102,906
baseline
▲ 0.50% · 4.625%
HK$108,330
+HK$5,424/mo
Deposit HK$12.83M · loan HK$19.24M · min. income ≈ HK$205,812/mo (50% DSR)
Upfront cash ≈ HK$14.19M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,386
−HK$6,420/mo
▼ 0.25% · 3.875%
HK$105,570
−HK$3,236/mo
Today · 4.125%
HK$108,806
baseline
▲ 0.50% · 4.625%
HK$115,427
+HK$6,621/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$217,612/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,903
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$116,958
−HK$3,099/mo
Today · 4.125%
HK$120,057
baseline
▲ 0.50% · 4.625%
HK$126,385
+HK$6,328/mo
Deposit HK$9.62M · loan HK$22.45M · min. income ≈ HK$240,114/mo (50% DSR)
Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,639
−HK$8,254/mo
▼ 0.25% · 3.875%
HK$135,733
−HK$4,160/mo
Today · 4.125%
HK$139,893
baseline
▲ 0.50% · 4.625%
HK$148,406
+HK$8,513/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$279,786/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,447
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$150,374
−HK$3,985/mo
Today · 4.125%
HK$154,359
baseline
▲ 0.50% · 4.625%
HK$162,495
+HK$8,136/mo
Deposit HK$3.21M · loan HK$28.86M · min. income ≈ HK$308,718/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,363,063 · Scale 2, in force from 26 Feb 2026)