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$72,702
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,964
−HK$2,297/mo
Today · 4.125%
HK$77,261
baseline
▲ 0.50% · 4.625%
HK$81,962
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,522/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,880
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,050
−HK$2,200/mo
Today · 4.125%
HK$85,250
baseline
▲ 0.50% · 4.625%
HK$89,744
+HK$4,494/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,500/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,243
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,956
−HK$2,757/mo
Today · 4.125%
HK$92,713
baseline
▲ 0.50% · 4.625%
HK$98,355
+HK$5,642/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,426/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,056
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,659
−HK$2,641/mo
Today · 4.125%
HK$102,300
baseline
▲ 0.50% · 4.625%
HK$107,692
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,600/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,783
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,949
−HK$3,217/mo
Today · 4.125%
HK$108,166
baseline
▲ 0.50% · 4.625%
HK$114,747
+HK$6,581/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,332/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,232
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,269
−HK$3,081/mo
Today · 4.125%
HK$119,350
baseline
▲ 0.50% · 4.625%
HK$125,641
+HK$6,291/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,700/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,864
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,934
−HK$4,136/mo
Today · 4.125%
HK$139,070
baseline
▲ 0.50% · 4.625%
HK$147,532
+HK$8,462/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,140/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,585
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,489
−HK$3,961/mo
Today · 4.125%
HK$153,450
baseline
▲ 0.50% · 4.625%
HK$161,539
+HK$8,089/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,900/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,041 · Scale 2, in force from 26 Feb 2026)