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$73,237
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,314/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,475
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,660
−HK$2,217/mo
Today · 4.125%
HK$85,877
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,754/mo (50% DSR)
Upfront cash ≈ HK$17.42M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,884
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,618
−HK$2,777/mo
Today · 4.125%
HK$93,395
baseline
▲ 0.50% · 4.625%
HK$99,078
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,790/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,770
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,392
−HK$2,660/mo
Today · 4.125%
HK$103,052
baseline
▲ 0.50% · 4.625%
HK$108,484
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,104/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,531
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,721
−HK$3,240/mo
Today · 4.125%
HK$108,961
baseline
▲ 0.50% · 4.625%
HK$115,591
+HK$6,630/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$217,922/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,065
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,124
−HK$3,104/mo
Today · 4.125%
HK$120,228
baseline
▲ 0.50% · 4.625%
HK$126,565
+HK$6,337/mo
Deposit HK$9.64M · loan HK$22.48M · min. income ≈ HK$240,456/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,826
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,926
−HK$4,167/mo
Today · 4.125%
HK$140,093
baseline
▲ 0.50% · 4.625%
HK$148,617
+HK$8,524/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,186/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,655
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$150,588
−HK$3,990/mo
Today · 4.125%
HK$154,578
baseline
▲ 0.50% · 4.625%
HK$162,726
+HK$8,148/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,156/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,004 · Scale 2, in force from 26 Feb 2026)