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$72,409
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,662
−HK$2,288/mo
Today · 4.125%
HK$76,950
baseline
▲ 0.50% · 4.625%
HK$81,632
+HK$4,682/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,900/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,555
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,192/mo
Today · 4.125%
HK$84,907
baseline
▲ 0.50% · 4.625%
HK$89,382
+HK$4,475/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,814/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,891
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,594
−HK$2,746/mo
Today · 4.125%
HK$92,340
baseline
▲ 0.50% · 4.625%
HK$97,959
+HK$5,619/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,680/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,666
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,258
−HK$2,630/mo
Today · 4.125%
HK$101,888
baseline
▲ 0.50% · 4.625%
HK$107,259
+HK$5,371/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,776/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,373
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,527
−HK$3,203/mo
Today · 4.125%
HK$107,730
baseline
▲ 0.50% · 4.625%
HK$114,285
+HK$6,555/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,460/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,777
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,801
−HK$3,069/mo
Today · 4.125%
HK$118,870
baseline
▲ 0.50% · 4.625%
HK$125,135
+HK$6,265/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,740/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,337
−HK$8,173/mo
▼ 0.25% · 3.875%
HK$134,391
−HK$4,119/mo
Today · 4.125%
HK$138,510
baseline
▲ 0.50% · 4.625%
HK$146,938
+HK$8,428/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$277,020/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,999
−HK$7,833/mo
▼ 0.25% · 3.875%
HK$148,887
−HK$3,945/mo
Today · 4.125%
HK$152,832
baseline
▲ 0.50% · 4.625%
HK$160,888
+HK$8,056/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,664/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,587 · Scale 2, in force from 26 Feb 2026)