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$73,377
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,659
−HK$2,319/mo
Today · 4.125%
HK$77,978
baseline
▲ 0.50% · 4.625%
HK$82,723
+HK$4,745/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$155,956/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,631
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,820
−HK$2,221/mo
Today · 4.125%
HK$86,041
baseline
▲ 0.50% · 4.625%
HK$90,577
+HK$4,536/mo
Deposit HK$16.09M · loan HK$16.09M · min. income ≈ HK$172,082/mo (50% DSR)
Upfront cash ≈ HK$17.46M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,052
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,791
−HK$2,783/mo
Today · 4.125%
HK$93,574
baseline
▲ 0.50% · 4.625%
HK$99,268
+HK$5,694/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$187,148/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,957
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,584
−HK$2,666/mo
Today · 4.125%
HK$103,250
baseline
▲ 0.50% · 4.625%
HK$108,692
+HK$5,442/mo
Deposit HK$12.87M · loan HK$19.31M · min. income ≈ HK$206,500/mo (50% DSR)
Upfront cash ≈ HK$14.24M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,728
−HK$6,441/mo
▼ 0.25% · 3.875%
HK$105,923
−HK$3,246/mo
Today · 4.125%
HK$109,169
baseline
▲ 0.50% · 4.625%
HK$115,812
+HK$6,643/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$218,338/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,283
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$117,348
−HK$3,110/mo
Today · 4.125%
HK$120,458
baseline
▲ 0.50% · 4.625%
HK$126,807
+HK$6,349/mo
Deposit HK$9.65M · loan HK$22.53M · min. income ≈ HK$240,916/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,078
−HK$8,283/mo
▼ 0.25% · 3.875%
HK$136,187
−HK$4,174/mo
Today · 4.125%
HK$140,361
baseline
▲ 0.50% · 4.625%
HK$148,901
+HK$8,540/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$280,722/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,936
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$150,877
−HK$3,997/mo
Today · 4.125%
HK$154,874
baseline
▲ 0.50% · 4.625%
HK$163,038
+HK$8,164/mo
Deposit HK$3.22M · loan HK$28.96M · min. income ≈ HK$309,748/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$1,367,616 · Scale 2, in force from 26 Feb 2026)