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$72,838
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,103
−HK$2,302/mo
Today · 4.125%
HK$77,405
baseline
▲ 0.50% · 4.625%
HK$82,115
+HK$4,710/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,810/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,031
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,204
−HK$2,205/mo
Today · 4.125%
HK$85,409
baseline
▲ 0.50% · 4.625%
HK$89,911
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,818/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,405
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,124
−HK$2,762/mo
Today · 4.125%
HK$92,886
baseline
▲ 0.50% · 4.625%
HK$98,538
+HK$5,652/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,772/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,237
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,845
−HK$2,646/mo
Today · 4.125%
HK$102,491
baseline
▲ 0.50% · 4.625%
HK$107,893
+HK$5,402/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$204,982/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,973
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,145
−HK$3,222/mo
Today · 4.125%
HK$108,367
baseline
▲ 0.50% · 4.625%
HK$114,961
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,734/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,444
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$116,486
−HK$3,087/mo
Today · 4.125%
HK$119,573
baseline
▲ 0.50% · 4.625%
HK$125,875
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,146/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,108
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,186
−HK$4,143/mo
Today · 4.125%
HK$139,329
baseline
▲ 0.50% · 4.625%
HK$147,807
+HK$8,478/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,658/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,856
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$149,768
−HK$3,968/mo
Today · 4.125%
HK$153,736
baseline
▲ 0.50% · 4.625%
HK$161,840
+HK$8,104/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,472/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,566 · Scale 2, in force from 26 Feb 2026)