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$72,584
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,842
−HK$2,294/mo
Today · 4.125%
HK$77,136
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,694/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,272/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,749
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,915
−HK$2,197/mo
Today · 4.125%
HK$85,112
baseline
▲ 0.50% · 4.625%
HK$89,598
+HK$4,486/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,224/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,101
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,811
−HK$2,752/mo
Today · 4.125%
HK$92,563
baseline
▲ 0.50% · 4.625%
HK$98,196
+HK$5,633/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$185,126/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,899
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,498
−HK$2,636/mo
Today · 4.125%
HK$102,134
baseline
▲ 0.50% · 4.625%
HK$107,518
+HK$5,384/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$204,268/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,618
−HK$6,372/mo
▼ 0.25% · 3.875%
HK$104,779
−HK$3,211/mo
Today · 4.125%
HK$107,990
baseline
▲ 0.50% · 4.625%
HK$114,561
+HK$6,571/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,980/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,049
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$116,081
−HK$3,076/mo
Today · 4.125%
HK$119,157
baseline
▲ 0.50% · 4.625%
HK$125,438
+HK$6,281/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,314/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,652
−HK$8,193/mo
▼ 0.25% · 3.875%
HK$134,716
−HK$4,129/mo
Today · 4.125%
HK$138,845
baseline
▲ 0.50% · 4.625%
HK$147,293
+HK$8,448/mo
Deposit HK$3.18M · loan HK$28.65M · min. income ≈ HK$277,690/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,349
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$149,247
−HK$3,955/mo
Today · 4.125%
HK$153,202
baseline
▲ 0.50% · 4.625%
HK$161,277
+HK$8,075/mo
Deposit HK$3.18M · loan HK$28.65M · min. income ≈ HK$306,404/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,847 · Scale 2, in force from 26 Feb 2026)