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$72,843
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$2,302/mo
Today · 4.125%
HK$77,410
baseline
▲ 0.50% · 4.625%
HK$82,121
+HK$4,711/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,820/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,037
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,210
−HK$2,205/mo
Today · 4.125%
HK$85,415
baseline
▲ 0.50% · 4.625%
HK$89,917
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,830/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,411
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,130
−HK$2,763/mo
Today · 4.125%
HK$92,893
baseline
▲ 0.50% · 4.625%
HK$98,545
+HK$5,652/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,786/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,244
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,852
−HK$2,646/mo
Today · 4.125%
HK$102,498
baseline
▲ 0.50% · 4.625%
HK$107,901
+HK$5,403/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$204,996/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,980
−HK$6,395/mo
▼ 0.25% · 3.875%
HK$105,152
−HK$3,223/mo
Today · 4.125%
HK$108,375
baseline
▲ 0.50% · 4.625%
HK$114,969
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,750/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,451
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,494
−HK$3,087/mo
Today · 4.125%
HK$119,581
baseline
▲ 0.50% · 4.625%
HK$125,884
+HK$6,303/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,162/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,117
−HK$8,222/mo
▼ 0.25% · 3.875%
HK$135,195
−HK$4,144/mo
Today · 4.125%
HK$139,339
baseline
▲ 0.50% · 4.625%
HK$147,817
+HK$8,478/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,678/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,866
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,778
−HK$3,969/mo
Today · 4.125%
HK$153,747
baseline
▲ 0.50% · 4.625%
HK$161,851
+HK$8,104/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,494/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,659 · Scale 2, in force from 26 Feb 2026)