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$73,396
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,679
−HK$2,319/mo
Today · 4.125%
HK$77,998
baseline
▲ 0.50% · 4.625%
HK$82,744
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,996/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,652
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,842
−HK$2,221/mo
Today · 4.125%
HK$86,063
baseline
▲ 0.50% · 4.625%
HK$90,600
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,126/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,075
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,815
−HK$2,783/mo
Today · 4.125%
HK$93,598
baseline
▲ 0.50% · 4.625%
HK$99,293
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,196/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,982
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,610
−HK$2,666/mo
Today · 4.125%
HK$103,276
baseline
▲ 0.50% · 4.625%
HK$108,720
+HK$5,444/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,552/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,754
−HK$6,444/mo
▼ 0.25% · 3.875%
HK$105,950
−HK$3,248/mo
Today · 4.125%
HK$109,198
baseline
▲ 0.50% · 4.625%
HK$115,842
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,396/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,313
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$117,379
−HK$3,110/mo
Today · 4.125%
HK$120,489
baseline
▲ 0.50% · 4.625%
HK$126,840
+HK$6,351/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,978/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,112
−HK$8,285/mo
▼ 0.25% · 3.875%
HK$136,222
−HK$4,175/mo
Today · 4.125%
HK$140,397
baseline
▲ 0.50% · 4.625%
HK$148,940
+HK$8,543/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,794/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,974
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,915
−HK$3,999/mo
Today · 4.125%
HK$154,914
baseline
▲ 0.50% · 4.625%
HK$163,080
+HK$8,166/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,828/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,969 · Scale 2, in force from 26 Feb 2026)