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$72,874
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,141
−HK$2,303/mo
Today · 4.125%
HK$77,444
baseline
▲ 0.50% · 4.625%
HK$82,156
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,888/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,072
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,246
−HK$2,206/mo
Today · 4.125%
HK$85,452
baseline
▲ 0.50% · 4.625%
HK$89,956
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,904/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,449
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,169
−HK$2,764/mo
Today · 4.125%
HK$92,933
baseline
▲ 0.50% · 4.625%
HK$98,588
+HK$5,655/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$185,866/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,286
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,896
−HK$2,646/mo
Today · 4.125%
HK$102,542
baseline
▲ 0.50% · 4.625%
HK$107,948
+HK$5,406/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$205,084/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,024
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,198
−HK$3,224/mo
Today · 4.125%
HK$108,422
baseline
▲ 0.50% · 4.625%
HK$115,019
+HK$6,597/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,844/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,501
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,545
−HK$3,088/mo
Today · 4.125%
HK$119,633
baseline
▲ 0.50% · 4.625%
HK$125,939
+HK$6,306/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,266/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,174
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,254
−HK$4,146/mo
Today · 4.125%
HK$139,400
baseline
▲ 0.50% · 4.625%
HK$147,882
+HK$8,482/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,800/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,930
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,843
−HK$3,971/mo
Today · 4.125%
HK$153,814
baseline
▲ 0.50% · 4.625%
HK$161,921
+HK$8,107/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,628/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,251 · Scale 2, in force from 26 Feb 2026)