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$73,390
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,673
−HK$2,319/mo
Today · 4.125%
HK$77,992
baseline
▲ 0.50% · 4.625%
HK$82,738
+HK$4,746/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,984/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,645
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,835
−HK$2,221/mo
Today · 4.125%
HK$86,056
baseline
▲ 0.50% · 4.625%
HK$90,593
+HK$4,537/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,112/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,068
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,783/mo
Today · 4.125%
HK$93,590
baseline
▲ 0.50% · 4.625%
HK$99,285
+HK$5,695/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,180/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,975
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,602
−HK$2,666/mo
Today · 4.125%
HK$103,268
baseline
▲ 0.50% · 4.625%
HK$108,711
+HK$5,443/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,536/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,746
−HK$6,443/mo
▼ 0.25% · 3.875%
HK$105,942
−HK$3,247/mo
Today · 4.125%
HK$109,189
baseline
▲ 0.50% · 4.625%
HK$115,833
+HK$6,644/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$218,378/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,304
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,369
−HK$3,110/mo
Today · 4.125%
HK$120,479
baseline
▲ 0.50% · 4.625%
HK$126,830
+HK$6,351/mo
Deposit HK$9.66M · loan HK$22.53M · min. income ≈ HK$240,958/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,102
−HK$8,284/mo
▼ 0.25% · 3.875%
HK$136,211
−HK$4,175/mo
Today · 4.125%
HK$140,386
baseline
▲ 0.50% · 4.625%
HK$148,928
+HK$8,542/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$280,772/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,962
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$150,903
−HK$3,999/mo
Today · 4.125%
HK$154,902
baseline
▲ 0.50% · 4.625%
HK$163,067
+HK$8,165/mo
Deposit HK$3.22M · loan HK$28.97M · min. income ≈ HK$309,804/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,859 · Scale 2, in force from 26 Feb 2026)