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$72,805
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,070
−HK$2,301/mo
Today · 4.125%
HK$77,371
baseline
▲ 0.50% · 4.625%
HK$82,078
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,742/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,995
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,167
−HK$2,204/mo
Today · 4.125%
HK$85,371
baseline
▲ 0.50% · 4.625%
HK$89,871
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,742/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,366
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,084
−HK$2,761/mo
Today · 4.125%
HK$92,845
baseline
▲ 0.50% · 4.625%
HK$98,494
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,690/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,194
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,801
−HK$2,644/mo
Today · 4.125%
HK$102,445
baseline
▲ 0.50% · 4.625%
HK$107,845
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,890/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,927
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,098
−HK$3,221/mo
Today · 4.125%
HK$108,319
baseline
▲ 0.50% · 4.625%
HK$114,910
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,638/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,393
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,434
−HK$3,085/mo
Today · 4.125%
HK$119,519
baseline
▲ 0.50% · 4.625%
HK$125,819
+HK$6,300/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,038/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,049
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,126
−HK$4,141/mo
Today · 4.125%
HK$139,267
baseline
▲ 0.50% · 4.625%
HK$147,741
+HK$8,474/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,534/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,791
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,701
−HK$3,966/mo
Today · 4.125%
HK$153,667
baseline
▲ 0.50% · 4.625%
HK$161,767
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,334/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,960 · Scale 2, in force from 26 Feb 2026)