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$72,851
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,117
−HK$2,302/mo
Today · 4.125%
HK$77,419
baseline
▲ 0.50% · 4.625%
HK$82,130
+HK$4,711/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,838/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,046
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,205/mo
Today · 4.125%
HK$85,424
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$4,503/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,848/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,421
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,140
−HK$2,763/mo
Today · 4.125%
HK$92,903
baseline
▲ 0.50% · 4.625%
HK$98,556
+HK$5,653/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,806/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,255
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,863
−HK$2,646/mo
Today · 4.125%
HK$102,509
baseline
▲ 0.50% · 4.625%
HK$107,913
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,018/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,991
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,163
−HK$3,224/mo
Today · 4.125%
HK$108,387
baseline
▲ 0.50% · 4.625%
HK$114,982
+HK$6,595/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,774/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,464
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,507
−HK$3,087/mo
Today · 4.125%
HK$119,594
baseline
▲ 0.50% · 4.625%
HK$125,898
+HK$6,304/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,188/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,131
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,210
−HK$4,144/mo
Today · 4.125%
HK$139,354
baseline
▲ 0.50% · 4.625%
HK$147,834
+HK$8,480/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,708/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,882
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,795
−HK$3,969/mo
Today · 4.125%
HK$153,764
baseline
▲ 0.50% · 4.625%
HK$161,869
+HK$8,105/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,528/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,810 · Scale 2, in force from 26 Feb 2026)