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$72,506
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,761
−HK$2,292/mo
Today · 4.125%
HK$77,053
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,688/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,106/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,662
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,825
−HK$2,195/mo
Today · 4.125%
HK$85,020
baseline
▲ 0.50% · 4.625%
HK$89,502
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,040/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,007
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,714
−HK$2,749/mo
Today · 4.125%
HK$92,463
baseline
▲ 0.50% · 4.625%
HK$98,089
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,926/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,795
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,391
−HK$2,633/mo
Today · 4.125%
HK$102,024
baseline
▲ 0.50% · 4.625%
HK$107,402
+HK$5,378/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,048/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,508
−HK$6,366/mo
▼ 0.25% · 3.875%
HK$104,666
−HK$3,208/mo
Today · 4.125%
HK$107,874
baseline
▲ 0.50% · 4.625%
HK$114,438
+HK$6,564/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,748/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,927
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$115,956
−HK$3,072/mo
Today · 4.125%
HK$119,028
baseline
▲ 0.50% · 4.625%
HK$125,302
+HK$6,274/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,056/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,511
−HK$8,184/mo
▼ 0.25% · 3.875%
HK$134,570
−HK$4,125/mo
Today · 4.125%
HK$138,695
baseline
▲ 0.50% · 4.625%
HK$147,134
+HK$8,439/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,390/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,192
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$149,086
−HK$3,950/mo
Today · 4.125%
HK$153,036
baseline
▲ 0.50% · 4.625%
HK$161,103
+HK$8,067/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,072/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,385 · Scale 2, in force from 26 Feb 2026)