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$72,916
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,184
−HK$2,305/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$82,204
+HK$4,715/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,119
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,294
−HK$2,207/mo
Today · 4.125%
HK$85,501
baseline
▲ 0.50% · 4.625%
HK$90,008
+HK$4,507/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,002/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,500
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,221
−HK$2,766/mo
Today · 4.125%
HK$92,987
baseline
▲ 0.50% · 4.625%
HK$98,645
+HK$5,658/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$185,974/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,342
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,953
−HK$2,649/mo
Today · 4.125%
HK$102,602
baseline
▲ 0.50% · 4.625%
HK$108,010
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,204/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,083
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,258
−HK$3,226/mo
Today · 4.125%
HK$108,484
baseline
▲ 0.50% · 4.625%
HK$115,085
+HK$6,601/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,968/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,566
−HK$6,136/mo
▼ 0.25% · 3.875%
HK$116,612
−HK$3,090/mo
Today · 4.125%
HK$119,702
baseline
▲ 0.50% · 4.625%
HK$126,012
+HK$6,310/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,404/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,249
−HK$8,231/mo
▼ 0.25% · 3.875%
HK$135,332
−HK$4,148/mo
Today · 4.125%
HK$139,480
baseline
▲ 0.50% · 4.625%
HK$147,967
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,960/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,014
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$149,930
−HK$3,972/mo
Today · 4.125%
HK$153,902
baseline
▲ 0.50% · 4.625%
HK$162,015
+HK$8,113/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,804/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,034 · Scale 2, in force from 26 Feb 2026)