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$73,354
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,635
−HK$2,319/mo
Today · 4.125%
HK$77,954
baseline
▲ 0.50% · 4.625%
HK$82,697
+HK$4,743/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$155,908/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,605
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,794
−HK$2,220/mo
Today · 4.125%
HK$86,014
baseline
▲ 0.50% · 4.625%
HK$90,548
+HK$4,534/mo
Deposit HK$16.08M · loan HK$16.08M · min. income ≈ HK$172,028/mo (50% DSR)
Upfront cash ≈ HK$17.45M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,024
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,763
−HK$2,781/mo
Today · 4.125%
HK$93,544
baseline
▲ 0.50% · 4.625%
HK$99,236
+HK$5,692/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$187,088/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,926
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,553
−HK$2,664/mo
Today · 4.125%
HK$103,217
baseline
▲ 0.50% · 4.625%
HK$108,658
+HK$5,441/mo
Deposit HK$12.87M · loan HK$19.30M · min. income ≈ HK$206,434/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,695
−HK$6,440/mo
▼ 0.25% · 3.875%
HK$105,890
−HK$3,245/mo
Today · 4.125%
HK$109,135
baseline
▲ 0.50% · 4.625%
HK$115,776
+HK$6,641/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$218,270/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,247
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$117,311
−HK$3,109/mo
Today · 4.125%
HK$120,420
baseline
▲ 0.50% · 4.625%
HK$126,767
+HK$6,347/mo
Deposit HK$9.65M · loan HK$22.52M · min. income ≈ HK$240,840/mo (50% DSR)
Upfront cash ≈ HK$11.02M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,037
−HK$8,280/mo
▼ 0.25% · 3.875%
HK$136,144
−HK$4,173/mo
Today · 4.125%
HK$140,317
baseline
▲ 0.50% · 4.625%
HK$148,855
+HK$8,538/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$280,634/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,890
−HK$7,936/mo
▼ 0.25% · 3.875%
HK$150,829
−HK$3,997/mo
Today · 4.125%
HK$154,826
baseline
▲ 0.50% · 4.625%
HK$162,987
+HK$8,161/mo
Deposit HK$3.22M · loan HK$28.95M · min. income ≈ HK$309,652/mo (50% DSR)
Upfront cash ≈ HK$4.58M (deposit + AVD stamp duty HK$1,367,186 · Scale 2, in force from 26 Feb 2026)