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$73,299
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,579
−HK$2,316/mo
Today · 4.125%
HK$77,895
baseline
▲ 0.50% · 4.625%
HK$82,635
+HK$4,740/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$155,790/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,544
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,731
−HK$2,218/mo
Today · 4.125%
HK$85,949
baseline
▲ 0.50% · 4.625%
HK$90,480
+HK$4,531/mo
Deposit HK$16.07M · loan HK$16.07M · min. income ≈ HK$171,898/mo (50% DSR)
Upfront cash ≈ HK$17.44M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,958
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,694
−HK$2,780/mo
Today · 4.125%
HK$93,474
baseline
▲ 0.50% · 4.625%
HK$99,162
+HK$5,688/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$186,948/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,853
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,477
−HK$2,662/mo
Today · 4.125%
HK$103,139
baseline
▲ 0.50% · 4.625%
HK$108,576
+HK$5,437/mo
Deposit HK$12.86M · loan HK$19.29M · min. income ≈ HK$206,278/mo (50% DSR)
Upfront cash ≈ HK$14.22M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,618
−HK$6,435/mo
▼ 0.25% · 3.875%
HK$105,810
−HK$3,243/mo
Today · 4.125%
HK$109,053
baseline
▲ 0.50% · 4.625%
HK$115,689
+HK$6,636/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$218,106/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,161
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$117,223
−HK$3,106/mo
Today · 4.125%
HK$120,329
baseline
▲ 0.50% · 4.625%
HK$126,672
+HK$6,343/mo
Deposit HK$9.64M · loan HK$22.50M · min. income ≈ HK$240,658/mo (50% DSR)
Upfront cash ≈ HK$11.01M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,937
−HK$8,274/mo
▼ 0.25% · 3.875%
HK$136,041
−HK$4,170/mo
Today · 4.125%
HK$140,211
baseline
▲ 0.50% · 4.625%
HK$148,742
+HK$8,531/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$280,422/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,779
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$150,715
−HK$3,994/mo
Today · 4.125%
HK$154,709
baseline
▲ 0.50% · 4.625%
HK$162,864
+HK$8,155/mo
Deposit HK$3.21M · loan HK$28.93M · min. income ≈ HK$309,418/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,157 · Scale 2, in force from 26 Feb 2026)