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$72,630
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,889
−HK$2,295/mo
Today · 4.125%
HK$77,184
baseline
▲ 0.50% · 4.625%
HK$81,881
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,368/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,800
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,967
−HK$2,198/mo
Today · 4.125%
HK$85,165
baseline
▲ 0.50% · 4.625%
HK$89,654
+HK$4,489/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,330/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,156
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,867
−HK$2,754/mo
Today · 4.125%
HK$92,621
baseline
▲ 0.50% · 4.625%
HK$98,257
+HK$5,636/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,242/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,960
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,560
−HK$2,638/mo
Today · 4.125%
HK$102,198
baseline
▲ 0.50% · 4.625%
HK$107,585
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,396/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,681
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,844
−HK$3,214/mo
Today · 4.125%
HK$108,058
baseline
▲ 0.50% · 4.625%
HK$114,633
+HK$6,575/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,116/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,120
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,153
−HK$3,078/mo
Today · 4.125%
HK$119,231
baseline
▲ 0.50% · 4.625%
HK$125,516
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,462/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,733
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,800
−HK$4,131/mo
Today · 4.125%
HK$138,931
baseline
▲ 0.50% · 4.625%
HK$147,385
+HK$8,454/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,862/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,439
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,340
−HK$3,957/mo
Today · 4.125%
HK$153,297
baseline
▲ 0.50% · 4.625%
HK$161,378
+HK$8,081/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,594/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,690 · Scale 2, in force from 26 Feb 2026)