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$72,931
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,200
−HK$2,304/mo
Today · 4.125%
HK$77,504
baseline
▲ 0.50% · 4.625%
HK$82,220
+HK$4,716/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$155,008/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,135
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,311
−HK$2,208/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,026
+HK$4,507/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,517
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,240
−HK$2,765/mo
Today · 4.125%
HK$93,005
baseline
▲ 0.50% · 4.625%
HK$98,664
+HK$5,659/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$186,010/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,362
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,973
−HK$2,649/mo
Today · 4.125%
HK$102,622
baseline
▲ 0.50% · 4.625%
HK$108,032
+HK$5,410/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,244/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,103
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,279
−HK$3,227/mo
Today · 4.125%
HK$108,506
baseline
▲ 0.50% · 4.625%
HK$115,109
+HK$6,603/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,012/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,589
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,635
−HK$3,091/mo
Today · 4.125%
HK$119,726
baseline
▲ 0.50% · 4.625%
HK$126,037
+HK$6,311/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,452/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,276
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,359
−HK$4,149/mo
Today · 4.125%
HK$139,508
baseline
▲ 0.50% · 4.625%
HK$147,997
+HK$8,489/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,016/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,043
−HK$7,890/mo
▼ 0.25% · 3.875%
HK$149,960
−HK$3,973/mo
Today · 4.125%
HK$153,933
baseline
▲ 0.50% · 4.625%
HK$162,047
+HK$8,114/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,866/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,308 · Scale 2, in force from 26 Feb 2026)