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$73,304
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,584
−HK$2,317/mo
Today · 4.125%
HK$77,901
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,740/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,802/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,550
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,737
−HK$2,219/mo
Today · 4.125%
HK$85,956
baseline
▲ 0.50% · 4.625%
HK$90,486
+HK$4,530/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,912/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,965
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,701
−HK$2,780/mo
Today · 4.125%
HK$93,481
baseline
▲ 0.50% · 4.625%
HK$99,169
+HK$5,688/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,962/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,860
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,484
−HK$2,663/mo
Today · 4.125%
HK$103,147
baseline
▲ 0.50% · 4.625%
HK$108,584
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,294/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,625
−HK$6,436/mo
▼ 0.25% · 3.875%
HK$105,818
−HK$3,243/mo
Today · 4.125%
HK$109,061
baseline
▲ 0.50% · 4.625%
HK$115,697
+HK$6,636/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,122/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,170
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,232
−HK$3,106/mo
Today · 4.125%
HK$120,338
baseline
▲ 0.50% · 4.625%
HK$126,681
+HK$6,343/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,676/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,947
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,051
−HK$4,170/mo
Today · 4.125%
HK$140,221
baseline
▲ 0.50% · 4.625%
HK$148,753
+HK$8,532/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,442/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,790
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,726
−HK$3,994/mo
Today · 4.125%
HK$154,720
baseline
▲ 0.50% · 4.625%
HK$162,876
+HK$8,156/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,440/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,256 · Scale 2, in force from 26 Feb 2026)