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$73,341
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,622
−HK$2,318/mo
Today · 4.125%
HK$77,940
baseline
▲ 0.50% · 4.625%
HK$82,683
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,880/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,591
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,779
−HK$2,220/mo
Today · 4.125%
HK$85,999
baseline
▲ 0.50% · 4.625%
HK$90,532
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,998/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,009
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,747
−HK$2,781/mo
Today · 4.125%
HK$93,528
baseline
▲ 0.50% · 4.625%
HK$99,219
+HK$5,691/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,056/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,909
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,535
−HK$2,664/mo
Today · 4.125%
HK$103,199
baseline
▲ 0.50% · 4.625%
HK$108,639
+HK$5,440/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,398/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,678
−HK$6,438/mo
▼ 0.25% · 3.875%
HK$105,871
−HK$3,245/mo
Today · 4.125%
HK$109,116
baseline
▲ 0.50% · 4.625%
HK$115,756
+HK$6,640/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,232/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,228
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,291
−HK$3,108/mo
Today · 4.125%
HK$120,399
baseline
▲ 0.50% · 4.625%
HK$126,745
+HK$6,346/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,798/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,014
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,120
−HK$4,172/mo
Today · 4.125%
HK$140,292
baseline
▲ 0.50% · 4.625%
HK$148,829
+HK$8,537/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,584/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,864
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,803
−HK$3,996/mo
Today · 4.125%
HK$154,799
baseline
▲ 0.50% · 4.625%
HK$162,958
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,598/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,950 · Scale 2, in force from 26 Feb 2026)