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$73,295
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,574
−HK$2,317/mo
Today · 4.125%
HK$77,891
baseline
▲ 0.50% · 4.625%
HK$82,630
+HK$4,739/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,782/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,540
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,726
−HK$2,219/mo
Today · 4.125%
HK$85,945
baseline
▲ 0.50% · 4.625%
HK$90,475
+HK$4,530/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,890/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,954
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,689
−HK$2,780/mo
Today · 4.125%
HK$93,469
baseline
▲ 0.50% · 4.625%
HK$99,156
+HK$5,687/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,938/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,847
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,472
−HK$2,662/mo
Today · 4.125%
HK$103,134
baseline
▲ 0.50% · 4.625%
HK$108,570
+HK$5,436/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,268/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,612
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,804
−HK$3,243/mo
Today · 4.125%
HK$109,047
baseline
▲ 0.50% · 4.625%
HK$115,682
+HK$6,635/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,094/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,155
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,217
−HK$3,106/mo
Today · 4.125%
HK$120,323
baseline
▲ 0.50% · 4.625%
HK$126,665
+HK$6,342/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,646/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,930
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,034
−HK$4,170/mo
Today · 4.125%
HK$140,204
baseline
▲ 0.50% · 4.625%
HK$148,735
+HK$8,531/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,408/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,771
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,707
−HK$3,994/mo
Today · 4.125%
HK$154,701
baseline
▲ 0.50% · 4.625%
HK$162,855
+HK$8,154/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,402/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,084 · Scale 2, in force from 26 Feb 2026)