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$73,342
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,318/mo
Today · 4.125%
HK$77,942
baseline
▲ 0.50% · 4.625%
HK$82,684
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,884/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,593
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,220/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$90,534
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,011
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,748
−HK$2,782/mo
Today · 4.125%
HK$93,530
baseline
▲ 0.50% · 4.625%
HK$99,221
+HK$5,691/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,060/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,911
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,537
−HK$2,664/mo
Today · 4.125%
HK$103,201
baseline
▲ 0.50% · 4.625%
HK$108,641
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,402/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,679
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,873
−HK$3,245/mo
Today · 4.125%
HK$109,118
baseline
▲ 0.50% · 4.625%
HK$115,758
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,236/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,230
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,293
−HK$3,108/mo
Today · 4.125%
HK$120,401
baseline
▲ 0.50% · 4.625%
HK$126,748
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,802/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,016
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,123
−HK$4,172/mo
Today · 4.125%
HK$140,295
baseline
▲ 0.50% · 4.625%
HK$148,831
+HK$8,536/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,590/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,867
−HK$7,934/mo
▼ 0.25% · 3.875%
HK$150,806
−HK$3,995/mo
Today · 4.125%
HK$154,801
baseline
▲ 0.50% · 4.625%
HK$162,961
+HK$8,160/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,602/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,974 · Scale 2, in force from 26 Feb 2026)