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$72,824
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,089
−HK$2,301/mo
Today · 4.125%
HK$77,390
baseline
▲ 0.50% · 4.625%
HK$82,099
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,780/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,015
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,188
−HK$2,204/mo
Today · 4.125%
HK$85,392
baseline
▲ 0.50% · 4.625%
HK$89,894
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,784/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,388
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,106
−HK$2,762/mo
Today · 4.125%
HK$92,868
baseline
▲ 0.50% · 4.625%
HK$98,519
+HK$5,651/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,736/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,219
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,826
−HK$2,645/mo
Today · 4.125%
HK$102,471
baseline
▲ 0.50% · 4.625%
HK$107,872
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,942/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,953
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,124
−HK$3,222/mo
Today · 4.125%
HK$108,346
baseline
▲ 0.50% · 4.625%
HK$114,939
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,692/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,422
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,463
−HK$3,086/mo
Today · 4.125%
HK$119,549
baseline
▲ 0.50% · 4.625%
HK$125,851
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,098/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,082
−HK$8,220/mo
▼ 0.25% · 3.875%
HK$135,160
−HK$4,142/mo
Today · 4.125%
HK$139,302
baseline
▲ 0.50% · 4.625%
HK$147,779
+HK$8,477/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,604/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,828
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,739
−HK$3,967/mo
Today · 4.125%
HK$153,706
baseline
▲ 0.50% · 4.625%
HK$161,808
+HK$8,102/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,412/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,303 · Scale 2, in force from 26 Feb 2026)