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$72,828
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,094
−HK$2,301/mo
Today · 4.125%
HK$77,395
baseline
▲ 0.50% · 4.625%
HK$82,104
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,790/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,021
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,193
−HK$2,205/mo
Today · 4.125%
HK$85,398
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,796/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,394
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,112
−HK$2,762/mo
Today · 4.125%
HK$92,874
baseline
▲ 0.50% · 4.625%
HK$98,525
+HK$5,651/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$185,748/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,225
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,832
−HK$2,645/mo
Today · 4.125%
HK$102,477
baseline
▲ 0.50% · 4.625%
HK$107,879
+HK$5,402/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$204,954/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,959
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,131
−HK$3,222/mo
Today · 4.125%
HK$108,353
baseline
▲ 0.50% · 4.625%
HK$114,946
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,706/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,429
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,471
−HK$3,086/mo
Today · 4.125%
HK$119,557
baseline
▲ 0.50% · 4.625%
HK$125,859
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,114/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,091
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,168
−HK$4,143/mo
Today · 4.125%
HK$139,311
baseline
▲ 0.50% · 4.625%
HK$147,788
+HK$8,477/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,622/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,837
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,748
−HK$3,968/mo
Today · 4.125%
HK$153,716
baseline
▲ 0.50% · 4.625%
HK$161,819
+HK$8,103/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,432/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,390 · Scale 2, in force from 26 Feb 2026)