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$73,385
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,668
−HK$2,319/mo
Today · 4.125%
HK$77,987
baseline
▲ 0.50% · 4.625%
HK$82,733
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,974/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,640
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,830
−HK$2,221/mo
Today · 4.125%
HK$86,051
baseline
▲ 0.50% · 4.625%
HK$90,587
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,102/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,062
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,802
−HK$2,783/mo
Today · 4.125%
HK$93,585
baseline
▲ 0.50% · 4.625%
HK$99,279
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,170/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,968
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,596
−HK$2,665/mo
Today · 4.125%
HK$103,261
baseline
▲ 0.50% · 4.625%
HK$108,704
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,522/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,739
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,935
−HK$3,247/mo
Today · 4.125%
HK$109,182
baseline
▲ 0.50% · 4.625%
HK$115,826
+HK$6,644/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,364/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,297
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,362
−HK$3,110/mo
Today · 4.125%
HK$120,472
baseline
▲ 0.50% · 4.625%
HK$126,822
+HK$6,350/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,944/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,094
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,202
−HK$4,175/mo
Today · 4.125%
HK$140,377
baseline
▲ 0.50% · 4.625%
HK$148,919
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,754/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,953
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$150,894
−HK$3,998/mo
Today · 4.125%
HK$154,892
baseline
▲ 0.50% · 4.625%
HK$163,057
+HK$8,165/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,784/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,774 · Scale 2, in force from 26 Feb 2026)