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$73,252
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,530
−HK$2,315/mo
Today · 4.125%
HK$77,845
baseline
▲ 0.50% · 4.625%
HK$82,582
+HK$4,737/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$155,690/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,492
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,678
−HK$2,217/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$90,422
+HK$4,527/mo
Deposit HK$16.06M · loan HK$16.06M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$17.43M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,902
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,636
−HK$2,778/mo
Today · 4.125%
HK$93,414
baseline
▲ 0.50% · 4.625%
HK$99,099
+HK$5,685/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$186,828/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,790
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,413
−HK$2,661/mo
Today · 4.125%
HK$103,074
baseline
▲ 0.50% · 4.625%
HK$108,507
+HK$5,433/mo
Deposit HK$12.85M · loan HK$19.27M · min. income ≈ HK$206,148/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,553
−HK$6,431/mo
▼ 0.25% · 3.875%
HK$105,743
−HK$3,241/mo
Today · 4.125%
HK$108,984
baseline
▲ 0.50% · 4.625%
HK$115,615
+HK$6,631/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$217,968/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,089
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$117,149
−HK$3,104/mo
Today · 4.125%
HK$120,253
baseline
▲ 0.50% · 4.625%
HK$126,591
+HK$6,338/mo
Deposit HK$9.64M · loan HK$22.49M · min. income ≈ HK$240,506/mo (50% DSR)
Upfront cash ≈ HK$11.00M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,853
−HK$8,269/mo
▼ 0.25% · 3.875%
HK$135,955
−HK$4,167/mo
Today · 4.125%
HK$140,122
baseline
▲ 0.50% · 4.625%
HK$148,648
+HK$8,526/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$280,244/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,686
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$150,620
−HK$3,990/mo
Today · 4.125%
HK$154,610
baseline
▲ 0.50% · 4.625%
HK$162,760
+HK$8,150/mo
Deposit HK$3.21M · loan HK$28.91M · min. income ≈ HK$309,220/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,365,287 · Scale 2, in force from 26 Feb 2026)