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$72,786
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,050
−HK$2,301/mo
Today · 4.125%
HK$77,351
baseline
▲ 0.50% · 4.625%
HK$82,057
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,702/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,974
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,146
−HK$2,203/mo
Today · 4.125%
HK$85,349
baseline
▲ 0.50% · 4.625%
HK$89,848
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,698/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,344
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,060
−HK$2,761/mo
Today · 4.125%
HK$92,821
baseline
▲ 0.50% · 4.625%
HK$98,469
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,642/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,169
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,775
−HK$2,644/mo
Today · 4.125%
HK$102,419
baseline
▲ 0.50% · 4.625%
HK$107,817
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,838/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,901
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,070
−HK$3,221/mo
Today · 4.125%
HK$108,291
baseline
▲ 0.50% · 4.625%
HK$114,880
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$216,582/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,364
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,404
−HK$3,084/mo
Today · 4.125%
HK$119,488
baseline
▲ 0.50% · 4.625%
HK$125,787
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$238,976/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,015
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,091
−HK$4,140/mo
Today · 4.125%
HK$139,231
baseline
▲ 0.50% · 4.625%
HK$147,703
+HK$8,472/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,462/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,753
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,662
−HK$3,966/mo
Today · 4.125%
HK$153,628
baseline
▲ 0.50% · 4.625%
HK$161,726
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,256/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,609 · Scale 2, in force from 26 Feb 2026)