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$72,734
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,996
−HK$2,299/mo
Today · 4.125%
HK$77,295
baseline
▲ 0.50% · 4.625%
HK$81,998
+HK$4,703/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,590/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,916
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,086
−HK$2,201/mo
Today · 4.125%
HK$85,287
baseline
▲ 0.50% · 4.625%
HK$89,783
+HK$4,496/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,574/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,280
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$89,995
−HK$2,759/mo
Today · 4.125%
HK$92,754
baseline
▲ 0.50% · 4.625%
HK$98,398
+HK$5,644/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,508/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,099
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,703
−HK$2,642/mo
Today · 4.125%
HK$102,345
baseline
▲ 0.50% · 4.625%
HK$107,739
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,690/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,827
−HK$6,386/mo
▼ 0.25% · 3.875%
HK$104,995
−HK$3,218/mo
Today · 4.125%
HK$108,213
baseline
▲ 0.50% · 4.625%
HK$114,797
+HK$6,584/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,426/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,282
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,320
−HK$3,082/mo
Today · 4.125%
HK$119,402
baseline
▲ 0.50% · 4.625%
HK$125,696
+HK$6,294/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,804/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,921
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,993
−HK$4,138/mo
Today · 4.125%
HK$139,131
baseline
▲ 0.50% · 4.625%
HK$147,596
+HK$8,465/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,262/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,648
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,554
−HK$3,963/mo
Today · 4.125%
HK$153,517
baseline
▲ 0.50% · 4.625%
HK$161,609
+HK$8,092/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,034/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,630 · Scale 2, in force from 26 Feb 2026)