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$72,655
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,915
−HK$2,297/mo
Today · 4.125%
HK$77,212
baseline
▲ 0.50% · 4.625%
HK$81,910
+HK$4,698/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,424/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,828
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,996
−HK$2,199/mo
Today · 4.125%
HK$85,195
baseline
▲ 0.50% · 4.625%
HK$89,686
+HK$4,491/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,390/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,186
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,898
−HK$2,756/mo
Today · 4.125%
HK$92,654
baseline
▲ 0.50% · 4.625%
HK$98,292
+HK$5,638/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,308/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,994
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,595
−HK$2,639/mo
Today · 4.125%
HK$102,234
baseline
▲ 0.50% · 4.625%
HK$107,623
+HK$5,389/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,468/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,718
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,882
−HK$3,214/mo
Today · 4.125%
HK$108,096
baseline
▲ 0.50% · 4.625%
HK$114,674
+HK$6,578/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,192/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,160
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,195
−HK$3,078/mo
Today · 4.125%
HK$119,273
baseline
▲ 0.50% · 4.625%
HK$125,560
+HK$6,287/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,546/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,780
−HK$8,201/mo
▼ 0.25% · 3.875%
HK$134,848
−HK$4,133/mo
Today · 4.125%
HK$138,981
baseline
▲ 0.50% · 4.625%
HK$147,437
+HK$8,456/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$277,962/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,491
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$149,393
−HK$3,959/mo
Today · 4.125%
HK$153,352
baseline
▲ 0.50% · 4.625%
HK$161,435
+HK$8,083/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,704/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,170 · Scale 2, in force from 26 Feb 2026)