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$73,192
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,468
−HK$2,313/mo
Today · 4.125%
HK$77,781
baseline
▲ 0.50% · 4.625%
HK$82,514
+HK$4,733/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$155,562/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,425
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,609
−HK$2,215/mo
Today · 4.125%
HK$85,824
baseline
▲ 0.50% · 4.625%
HK$90,348
+HK$4,524/mo
Deposit HK$16.05M · loan HK$16.05M · min. income ≈ HK$171,648/mo (50% DSR)
Upfront cash ≈ HK$17.41M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,830
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,776/mo
Today · 4.125%
HK$93,338
baseline
▲ 0.50% · 4.625%
HK$99,017
+HK$5,679/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$186,676/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,710
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,331
−HK$2,658/mo
Today · 4.125%
HK$102,989
baseline
▲ 0.50% · 4.625%
HK$108,418
+HK$5,429/mo
Deposit HK$12.84M · loan HK$19.26M · min. income ≈ HK$205,978/mo (50% DSR)
Upfront cash ≈ HK$14.20M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,468
−HK$6,426/mo
▼ 0.25% · 3.875%
HK$105,656
−HK$3,238/mo
Today · 4.125%
HK$108,894
baseline
▲ 0.50% · 4.625%
HK$115,520
+HK$6,626/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$217,788/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,995
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$117,052
−HK$3,102/mo
Today · 4.125%
HK$120,154
baseline
▲ 0.50% · 4.625%
HK$126,487
+HK$6,333/mo
Deposit HK$9.63M · loan HK$22.47M · min. income ≈ HK$240,308/mo (50% DSR)
Upfront cash ≈ HK$10.99M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,745
−HK$8,262/mo
▼ 0.25% · 3.875%
HK$135,843
−HK$4,164/mo
Today · 4.125%
HK$140,007
baseline
▲ 0.50% · 4.625%
HK$148,526
+HK$8,519/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$280,014/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,565
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$150,496
−HK$3,988/mo
Today · 4.125%
HK$154,484
baseline
▲ 0.50% · 4.625%
HK$162,627
+HK$8,143/mo
Deposit HK$3.21M · loan HK$28.89M · min. income ≈ HK$308,968/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$1,364,166 · Scale 2, in force from 26 Feb 2026)