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$72,707
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,969
−HK$2,298/mo
Today · 4.125%
HK$77,267
baseline
▲ 0.50% · 4.625%
HK$81,968
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,534/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,886
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,056
−HK$2,200/mo
Today · 4.125%
HK$85,256
baseline
▲ 0.50% · 4.625%
HK$89,750
+HK$4,494/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,512/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,249
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,963
−HK$2,757/mo
Today · 4.125%
HK$92,720
baseline
▲ 0.50% · 4.625%
HK$98,362
+HK$5,642/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,440/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,064
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,667
−HK$2,641/mo
Today · 4.125%
HK$102,308
baseline
▲ 0.50% · 4.625%
HK$107,700
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,616/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,790
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,957
−HK$3,217/mo
Today · 4.125%
HK$108,174
baseline
▲ 0.50% · 4.625%
HK$114,756
+HK$6,582/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,348/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,241
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,278
−HK$3,081/mo
Today · 4.125%
HK$119,359
baseline
▲ 0.50% · 4.625%
HK$125,650
+HK$6,291/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,718/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,873
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$134,944
−HK$4,136/mo
Today · 4.125%
HK$139,080
baseline
▲ 0.50% · 4.625%
HK$147,543
+HK$8,463/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,160/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,595
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$149,500
−HK$3,961/mo
Today · 4.125%
HK$153,461
baseline
▲ 0.50% · 4.625%
HK$161,551
+HK$8,090/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,922/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,140 · Scale 2, in force from 26 Feb 2026)