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$73,349
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,630
−HK$2,319/mo
Today · 4.125%
HK$77,949
baseline
▲ 0.50% · 4.625%
HK$82,692
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,898/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,600
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,788
−HK$2,221/mo
Today · 4.125%
HK$86,009
baseline
▲ 0.50% · 4.625%
HK$90,542
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,018/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,019
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,757
−HK$2,781/mo
Today · 4.125%
HK$93,538
baseline
▲ 0.50% · 4.625%
HK$99,230
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,076/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,920
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,546
−HK$2,664/mo
Today · 4.125%
HK$103,210
baseline
▲ 0.50% · 4.625%
HK$108,651
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,420/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,688
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,883
−HK$3,245/mo
Today · 4.125%
HK$109,128
baseline
▲ 0.50% · 4.625%
HK$115,768
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,256/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,240
−HK$6,172/mo
▼ 0.25% · 3.875%
HK$117,304
−HK$3,108/mo
Today · 4.125%
HK$120,412
baseline
▲ 0.50% · 4.625%
HK$126,759
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,824/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,028
−HK$8,279/mo
▼ 0.25% · 3.875%
HK$136,135
−HK$4,172/mo
Today · 4.125%
HK$140,307
baseline
▲ 0.50% · 4.625%
HK$148,845
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,614/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,880
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,819
−HK$3,996/mo
Today · 4.125%
HK$154,815
baseline
▲ 0.50% · 4.625%
HK$162,976
+HK$8,161/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,630/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,096 · Scale 2, in force from 26 Feb 2026)