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$72,811
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,075
−HK$2,301/mo
Today · 4.125%
HK$77,376
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,752/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,173
−HK$2,204/mo
Today · 4.125%
HK$85,377
baseline
▲ 0.50% · 4.625%
HK$89,878
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,754/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,373
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,090
−HK$2,762/mo
Today · 4.125%
HK$92,852
baseline
▲ 0.50% · 4.625%
HK$98,501
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,704/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,201
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,808
−HK$2,645/mo
Today · 4.125%
HK$102,453
baseline
▲ 0.50% · 4.625%
HK$107,853
+HK$5,400/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,906/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,935
−HK$6,392/mo
▼ 0.25% · 3.875%
HK$105,105
−HK$3,222/mo
Today · 4.125%
HK$108,327
baseline
▲ 0.50% · 4.625%
HK$114,918
+HK$6,591/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,654/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,401
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,443
−HK$3,085/mo
Today · 4.125%
HK$119,528
baseline
▲ 0.50% · 4.625%
HK$125,829
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,056/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,059
−HK$8,218/mo
▼ 0.25% · 3.875%
HK$135,136
−HK$4,141/mo
Today · 4.125%
HK$139,277
baseline
▲ 0.50% · 4.625%
HK$147,752
+HK$8,475/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,554/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,802
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$149,712
−HK$3,967/mo
Today · 4.125%
HK$153,679
baseline
▲ 0.50% · 4.625%
HK$161,780
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,358/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,061 · Scale 2, in force from 26 Feb 2026)