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$72,764
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$2,299/mo
Today · 4.125%
HK$77,327
baseline
▲ 0.50% · 4.625%
HK$82,032
+HK$4,705/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,654/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,950
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,121
−HK$2,202/mo
Today · 4.125%
HK$85,323
baseline
▲ 0.50% · 4.625%
HK$89,820
+HK$4,497/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,646/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,317
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,033
−HK$2,760/mo
Today · 4.125%
HK$92,793
baseline
▲ 0.50% · 4.625%
HK$98,439
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$185,586/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,139
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,745
−HK$2,643/mo
Today · 4.125%
HK$102,388
baseline
▲ 0.50% · 4.625%
HK$107,785
+HK$5,397/mo
Deposit HK$12.76M · loan HK$19.15M · min. income ≈ HK$204,776/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,870
−HK$6,388/mo
▼ 0.25% · 3.875%
HK$105,039
−HK$3,219/mo
Today · 4.125%
HK$108,258
baseline
▲ 0.50% · 4.625%
HK$114,845
+HK$6,587/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,516/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,329
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$116,369
−HK$3,083/mo
Today · 4.125%
HK$119,452
baseline
▲ 0.50% · 4.625%
HK$125,749
+HK$6,297/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,904/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,976
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,050
−HK$4,139/mo
Today · 4.125%
HK$139,189
baseline
▲ 0.50% · 4.625%
HK$147,658
+HK$8,469/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,378/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,709
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,617
−HK$3,964/mo
Today · 4.125%
HK$153,581
baseline
▲ 0.50% · 4.625%
HK$161,677
+HK$8,096/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,162/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,200 · Scale 2, in force from 26 Feb 2026)