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$72,673
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,934
−HK$2,296/mo
Today · 4.125%
HK$77,230
baseline
▲ 0.50% · 4.625%
HK$81,930
+HK$4,700/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,460/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,848
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,016
−HK$2,200/mo
Today · 4.125%
HK$85,216
baseline
▲ 0.50% · 4.625%
HK$89,708
+HK$4,492/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,432/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,208
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,920
−HK$2,756/mo
Today · 4.125%
HK$92,676
baseline
▲ 0.50% · 4.625%
HK$98,316
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,352/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,018
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,620
−HK$2,639/mo
Today · 4.125%
HK$102,259
baseline
▲ 0.50% · 4.625%
HK$107,650
+HK$5,391/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,518/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,742
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,907
−HK$3,216/mo
Today · 4.125%
HK$108,123
baseline
▲ 0.50% · 4.625%
HK$114,702
+HK$6,579/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,246/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,187
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,223
−HK$3,080/mo
Today · 4.125%
HK$119,303
baseline
▲ 0.50% · 4.625%
HK$125,591
+HK$6,288/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,606/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,812
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,881
−HK$4,134/mo
Today · 4.125%
HK$139,015
baseline
▲ 0.50% · 4.625%
HK$147,473
+HK$8,458/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$278,030/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,527
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,430
−HK$3,959/mo
Today · 4.125%
HK$153,389
baseline
▲ 0.50% · 4.625%
HK$161,474
+HK$8,085/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,778/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,501 · Scale 2, in force from 26 Feb 2026)