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$72,541
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,797
−HK$2,293/mo
Today · 4.125%
HK$77,090
baseline
▲ 0.50% · 4.625%
HK$81,780
+HK$4,690/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,180/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,701
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,865
−HK$2,196/mo
Today · 4.125%
HK$85,061
baseline
▲ 0.50% · 4.625%
HK$89,544
+HK$4,483/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,122/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,049
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,756
−HK$2,752/mo
Today · 4.125%
HK$92,508
baseline
▲ 0.50% · 4.625%
HK$98,136
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$185,016/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,841
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,438
−HK$2,635/mo
Today · 4.125%
HK$102,073
baseline
▲ 0.50% · 4.625%
HK$107,453
+HK$5,380/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$204,146/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,557
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,716
−HK$3,209/mo
Today · 4.125%
HK$107,925
baseline
▲ 0.50% · 4.625%
HK$114,492
+HK$6,567/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,850/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,981
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$116,011
−HK$3,074/mo
Today · 4.125%
HK$119,085
baseline
▲ 0.50% · 4.625%
HK$125,362
+HK$6,277/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,170/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,573
−HK$8,188/mo
▼ 0.25% · 3.875%
HK$134,635
−HK$4,126/mo
Today · 4.125%
HK$138,761
baseline
▲ 0.50% · 4.625%
HK$147,205
+HK$8,444/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,522/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,261
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,157
−HK$3,952/mo
Today · 4.125%
HK$153,109
baseline
▲ 0.50% · 4.625%
HK$161,180
+HK$8,071/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,218/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,032 · Scale 2, in force from 26 Feb 2026)