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$72,776
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,040
−HK$2,300/mo
Today · 4.125%
HK$77,340
baseline
▲ 0.50% · 4.625%
HK$82,046
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,680/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,963
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,134
−HK$2,203/mo
Today · 4.125%
HK$85,337
baseline
▲ 0.50% · 4.625%
HK$89,835
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,674/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,331
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,048
−HK$2,760/mo
Today · 4.125%
HK$92,808
baseline
▲ 0.50% · 4.625%
HK$98,455
+HK$5,647/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,616/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,155
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,761
−HK$2,643/mo
Today · 4.125%
HK$102,404
baseline
▲ 0.50% · 4.625%
HK$107,802
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,808/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,887
−HK$6,389/mo
▼ 0.25% · 3.875%
HK$105,056
−HK$3,220/mo
Today · 4.125%
HK$108,276
baseline
▲ 0.50% · 4.625%
HK$114,864
+HK$6,588/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,552/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,348
−HK$6,124/mo
▼ 0.25% · 3.875%
HK$116,388
−HK$3,084/mo
Today · 4.125%
HK$119,472
baseline
▲ 0.50% · 4.625%
HK$125,769
+HK$6,297/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,944/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,997
−HK$8,215/mo
▼ 0.25% · 3.875%
HK$135,072
−HK$4,140/mo
Today · 4.125%
HK$139,212
baseline
▲ 0.50% · 4.625%
HK$147,683
+HK$8,471/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,424/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,733
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,642
−HK$3,965/mo
Today · 4.125%
HK$153,607
baseline
▲ 0.50% · 4.625%
HK$161,703
+HK$8,096/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,214/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,422 · Scale 2, in force from 26 Feb 2026)