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$72,763
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,026
−HK$2,300/mo
Today · 4.125%
HK$77,326
baseline
▲ 0.50% · 4.625%
HK$82,031
+HK$4,705/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,652/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,948
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,119
−HK$2,202/mo
Today · 4.125%
HK$85,321
baseline
▲ 0.50% · 4.625%
HK$89,818
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,642/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,315
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,031
−HK$2,760/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$98,437
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,137
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,742
−HK$2,643/mo
Today · 4.125%
HK$102,385
baseline
▲ 0.50% · 4.625%
HK$107,782
+HK$5,397/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$204,770/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,868
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,036
−HK$3,220/mo
Today · 4.125%
HK$108,256
baseline
▲ 0.50% · 4.625%
HK$114,843
+HK$6,587/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,512/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,327
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,366
−HK$3,084/mo
Today · 4.125%
HK$119,450
baseline
▲ 0.50% · 4.625%
HK$125,746
+HK$6,296/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,900/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,973
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,047
−HK$4,139/mo
Today · 4.125%
HK$139,186
baseline
▲ 0.50% · 4.625%
HK$147,655
+HK$8,469/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,372/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,706
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,614
−HK$3,964/mo
Today · 4.125%
HK$153,578
baseline
▲ 0.50% · 4.625%
HK$161,673
+HK$8,095/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,156/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,169 · Scale 2, in force from 26 Feb 2026)