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$73,231
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,509
−HK$2,314/mo
Today · 4.125%
HK$77,823
baseline
▲ 0.50% · 4.625%
HK$82,558
+HK$4,735/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,646/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,469
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,654
−HK$2,216/mo
Today · 4.125%
HK$85,870
baseline
▲ 0.50% · 4.625%
HK$90,396
+HK$4,526/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,740/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,877
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,611
−HK$2,777/mo
Today · 4.125%
HK$93,388
baseline
▲ 0.50% · 4.625%
HK$99,070
+HK$5,682/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,776/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,762
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,384
−HK$2,660/mo
Today · 4.125%
HK$103,044
baseline
▲ 0.50% · 4.625%
HK$108,476
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,088/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,523
−HK$6,429/mo
▼ 0.25% · 3.875%
HK$105,712
−HK$3,240/mo
Today · 4.125%
HK$108,952
baseline
▲ 0.50% · 4.625%
HK$115,582
+HK$6,630/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$217,904/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,056
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$117,115
−HK$3,103/mo
Today · 4.125%
HK$120,218
baseline
▲ 0.50% · 4.625%
HK$126,555
+HK$6,337/mo
Deposit HK$9.63M · loan HK$22.48M · min. income ≈ HK$240,436/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,816
−HK$8,266/mo
▼ 0.25% · 3.875%
HK$135,916
−HK$4,166/mo
Today · 4.125%
HK$140,082
baseline
▲ 0.50% · 4.625%
HK$148,605
+HK$8,523/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$280,164/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,644
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$150,576
−HK$3,990/mo
Today · 4.125%
HK$154,566
baseline
▲ 0.50% · 4.625%
HK$162,714
+HK$8,148/mo
Deposit HK$3.21M · loan HK$28.90M · min. income ≈ HK$309,132/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,364,897 · Scale 2, in force from 26 Feb 2026)