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$73,245
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,524
−HK$2,315/mo
Today · 4.125%
HK$77,839
baseline
▲ 0.50% · 4.625%
HK$82,575
+HK$4,736/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,678/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,485
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,670
−HK$2,217/mo
Today · 4.125%
HK$85,887
baseline
▲ 0.50% · 4.625%
HK$90,414
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,774/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,895
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,629
−HK$2,777/mo
Today · 4.125%
HK$93,406
baseline
▲ 0.50% · 4.625%
HK$99,090
+HK$5,684/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,812/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,782
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,404
−HK$2,661/mo
Today · 4.125%
HK$103,065
baseline
▲ 0.50% · 4.625%
HK$108,497
+HK$5,432/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,130/mo (50% DSR)
Upfront cash ≈ HK$14.21M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,544
−HK$6,430/mo
▼ 0.25% · 3.875%
HK$105,733
−HK$3,241/mo
Today · 4.125%
HK$108,974
baseline
▲ 0.50% · 4.625%
HK$115,605
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,948/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,079
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$117,138
−HK$3,104/mo
Today · 4.125%
HK$120,242
baseline
▲ 0.50% · 4.625%
HK$126,580
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,484/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,842
−HK$8,267/mo
▼ 0.25% · 3.875%
HK$135,943
−HK$4,166/mo
Today · 4.125%
HK$140,109
baseline
▲ 0.50% · 4.625%
HK$148,635
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,218/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,673
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,606
−HK$3,991/mo
Today · 4.125%
HK$154,597
baseline
▲ 0.50% · 4.625%
HK$162,746
+HK$8,149/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,194/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,168 · Scale 2, in force from 26 Feb 2026)