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$73,246
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,525
−HK$2,315/mo
Today · 4.125%
HK$77,840
baseline
▲ 0.50% · 4.625%
HK$82,576
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,680/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,486
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,671
−HK$2,217/mo
Today · 4.125%
HK$85,888
baseline
▲ 0.50% · 4.625%
HK$90,416
+HK$4,528/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,776/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,896
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,630
−HK$2,778/mo
Today · 4.125%
HK$93,408
baseline
▲ 0.50% · 4.625%
HK$99,091
+HK$5,683/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,816/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,783
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$2,660/mo
Today · 4.125%
HK$103,066
baseline
▲ 0.50% · 4.625%
HK$108,499
+HK$5,433/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,132/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,545
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,735
−HK$3,240/mo
Today · 4.125%
HK$108,975
baseline
▲ 0.50% · 4.625%
HK$115,606
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,950/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,080
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,140
−HK$3,104/mo
Today · 4.125%
HK$120,244
baseline
▲ 0.50% · 4.625%
HK$126,582
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,488/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,844
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,945
−HK$4,166/mo
Today · 4.125%
HK$140,111
baseline
▲ 0.50% · 4.625%
HK$148,637
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,222/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,675
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,608
−HK$3,991/mo
Today · 4.125%
HK$154,599
baseline
▲ 0.50% · 4.625%
HK$162,748
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,198/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,186 · Scale 2, in force from 26 Feb 2026)