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$73,375
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,658
−HK$2,319/mo
Today · 4.125%
HK$77,977
baseline
▲ 0.50% · 4.625%
HK$82,721
+HK$4,744/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,954/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,630
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,221/mo
Today · 4.125%
HK$86,040
baseline
▲ 0.50% · 4.625%
HK$90,575
+HK$4,535/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,080/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,051
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,789
−HK$2,783/mo
Today · 4.125%
HK$93,572
baseline
▲ 0.50% · 4.625%
HK$99,266
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,144/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,955
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$2,665/mo
Today · 4.125%
HK$103,248
baseline
▲ 0.50% · 4.625%
HK$108,690
+HK$5,442/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,496/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,726
−HK$6,442/mo
▼ 0.25% · 3.875%
HK$105,921
−HK$3,247/mo
Today · 4.125%
HK$109,168
baseline
▲ 0.50% · 4.625%
HK$115,810
+HK$6,642/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,336/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,281
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,346
−HK$3,110/mo
Today · 4.125%
HK$120,456
baseline
▲ 0.50% · 4.625%
HK$126,805
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,912/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,076
−HK$8,282/mo
▼ 0.25% · 3.875%
HK$136,184
−HK$4,174/mo
Today · 4.125%
HK$140,358
baseline
▲ 0.50% · 4.625%
HK$148,899
+HK$8,541/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,716/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,933
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,874
−HK$3,997/mo
Today · 4.125%
HK$154,871
baseline
▲ 0.50% · 4.625%
HK$163,035
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,742/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,592 · Scale 2, in force from 26 Feb 2026)