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$73,339
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,318/mo
Today · 4.125%
HK$77,938
baseline
▲ 0.50% · 4.625%
HK$82,680
+HK$4,742/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,876/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,589
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,777
−HK$2,220/mo
Today · 4.125%
HK$85,997
baseline
▲ 0.50% · 4.625%
HK$90,530
+HK$4,533/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$171,994/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,006
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,744
−HK$2,781/mo
Today · 4.125%
HK$93,525
baseline
▲ 0.50% · 4.625%
HK$99,216
+HK$5,691/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$187,050/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,906
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,532
−HK$2,664/mo
Today · 4.125%
HK$103,196
baseline
▲ 0.50% · 4.625%
HK$108,635
+HK$5,439/mo
Deposit HK$12.86M · loan HK$19.30M · min. income ≈ HK$206,392/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,674
−HK$6,439/mo
▼ 0.25% · 3.875%
HK$105,868
−HK$3,245/mo
Today · 4.125%
HK$109,113
baseline
▲ 0.50% · 4.625%
HK$115,752
+HK$6,639/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$218,226/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,224
−HK$6,171/mo
▼ 0.25% · 3.875%
HK$117,287
−HK$3,108/mo
Today · 4.125%
HK$120,395
baseline
▲ 0.50% · 4.625%
HK$126,741
+HK$6,346/mo
Deposit HK$9.65M · loan HK$22.51M · min. income ≈ HK$240,790/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,010
−HK$8,278/mo
▼ 0.25% · 3.875%
HK$136,116
−HK$4,172/mo
Today · 4.125%
HK$140,288
baseline
▲ 0.50% · 4.625%
HK$148,824
+HK$8,536/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,576/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,859
−HK$7,935/mo
▼ 0.25% · 3.875%
HK$150,798
−HK$3,996/mo
Today · 4.125%
HK$154,794
baseline
▲ 0.50% · 4.625%
HK$162,953
+HK$8,159/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,588/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,366,906 · Scale 2, in force from 26 Feb 2026)