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$72,802
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,066
−HK$2,301/mo
Today · 4.125%
HK$77,367
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,708/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,734/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,991
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,163
−HK$2,204/mo
Today · 4.125%
HK$85,367
baseline
▲ 0.50% · 4.625%
HK$89,867
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,734/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,362
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,079
−HK$2,761/mo
Today · 4.125%
HK$92,840
baseline
▲ 0.50% · 4.625%
HK$98,489
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,680/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,189
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,796
−HK$2,644/mo
Today · 4.125%
HK$102,440
baseline
▲ 0.50% · 4.625%
HK$107,840
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,880/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,922
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,093
−HK$3,221/mo
Today · 4.125%
HK$108,314
baseline
▲ 0.50% · 4.625%
HK$114,904
+HK$6,590/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,628/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,388
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,429
−HK$3,085/mo
Today · 4.125%
HK$119,514
baseline
▲ 0.50% · 4.625%
HK$125,813
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,028/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,043
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,119
−HK$4,142/mo
Today · 4.125%
HK$139,261
baseline
▲ 0.50% · 4.625%
HK$147,734
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,522/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,784
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,694
−HK$3,966/mo
Today · 4.125%
HK$153,660
baseline
▲ 0.50% · 4.625%
HK$161,760
+HK$8,100/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,320/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,896 · Scale 2, in force from 26 Feb 2026)