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$73,308
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,588
−HK$2,317/mo
Today · 4.125%
HK$77,905
baseline
▲ 0.50% · 4.625%
HK$82,645
+HK$4,740/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,810/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,554
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,742
−HK$2,218/mo
Today · 4.125%
HK$85,960
baseline
▲ 0.50% · 4.625%
HK$90,491
+HK$4,531/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,920/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,969
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,706
−HK$2,780/mo
Today · 4.125%
HK$93,486
baseline
▲ 0.50% · 4.625%
HK$99,174
+HK$5,688/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,972/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,865
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,490
−HK$2,662/mo
Today · 4.125%
HK$103,152
baseline
▲ 0.50% · 4.625%
HK$108,590
+HK$5,438/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,304/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,631
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,823
−HK$3,244/mo
Today · 4.125%
HK$109,067
baseline
▲ 0.50% · 4.625%
HK$115,703
+HK$6,636/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,134/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,176
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$117,238
−HK$3,107/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$126,688
+HK$6,343/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,954
−HK$8,275/mo
▼ 0.25% · 3.875%
HK$136,059
−HK$4,170/mo
Today · 4.125%
HK$140,229
baseline
▲ 0.50% · 4.625%
HK$148,761
+HK$8,532/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,458/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,798
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$150,735
−HK$3,994/mo
Today · 4.125%
HK$154,729
baseline
▲ 0.50% · 4.625%
HK$162,885
+HK$8,156/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,458/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,331 · Scale 2, in force from 26 Feb 2026)