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$73,302
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,582
−HK$2,316/mo
Today · 4.125%
HK$77,898
baseline
▲ 0.50% · 4.625%
HK$82,638
+HK$4,740/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,796/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,547
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,735
−HK$2,218/mo
Today · 4.125%
HK$85,953
baseline
▲ 0.50% · 4.625%
HK$90,484
+HK$4,531/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,906/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,962
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,698
−HK$2,780/mo
Today · 4.125%
HK$93,478
baseline
▲ 0.50% · 4.625%
HK$99,166
+HK$5,688/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,956/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,857
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,481
−HK$2,663/mo
Today · 4.125%
HK$103,144
baseline
▲ 0.50% · 4.625%
HK$108,581
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,288/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,622
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,815
−HK$3,243/mo
Today · 4.125%
HK$109,058
baseline
▲ 0.50% · 4.625%
HK$115,694
+HK$6,636/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,116/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,166
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,228
−HK$3,107/mo
Today · 4.125%
HK$120,335
baseline
▲ 0.50% · 4.625%
HK$126,678
+HK$6,343/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,670/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,943
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,047
−HK$4,170/mo
Today · 4.125%
HK$140,217
baseline
▲ 0.50% · 4.625%
HK$148,749
+HK$8,532/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,434/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,785
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,722
−HK$3,994/mo
Today · 4.125%
HK$154,716
baseline
▲ 0.50% · 4.625%
HK$162,871
+HK$8,155/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,432/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,218 · Scale 2, in force from 26 Feb 2026)