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$72,620
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,879
−HK$2,295/mo
Today · 4.125%
HK$77,174
baseline
▲ 0.50% · 4.625%
HK$81,870
+HK$4,696/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,348/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,956
−HK$2,198/mo
Today · 4.125%
HK$85,154
baseline
▲ 0.50% · 4.625%
HK$89,642
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,308/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,144
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,854
−HK$2,754/mo
Today · 4.125%
HK$92,608
baseline
▲ 0.50% · 4.625%
HK$98,243
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,216/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,947
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,547
−HK$2,637/mo
Today · 4.125%
HK$102,184
baseline
▲ 0.50% · 4.625%
HK$107,571
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,368/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,668
−HK$6,375/mo
▼ 0.25% · 3.875%
HK$104,830
−HK$3,213/mo
Today · 4.125%
HK$108,043
baseline
▲ 0.50% · 4.625%
HK$114,617
+HK$6,574/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,086/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,104
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,138
−HK$3,077/mo
Today · 4.125%
HK$119,215
baseline
▲ 0.50% · 4.625%
HK$125,499
+HK$6,284/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,430/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,716
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,782
−HK$4,131/mo
Today · 4.125%
HK$138,913
baseline
▲ 0.50% · 4.625%
HK$147,365
+HK$8,452/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,826/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,420
−HK$7,856/mo
▼ 0.25% · 3.875%
HK$149,320
−HK$3,956/mo
Today · 4.125%
HK$153,276
baseline
▲ 0.50% · 4.625%
HK$161,356
+HK$8,080/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,552/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,507 · Scale 2, in force from 26 Feb 2026)