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$72,858
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,124
−HK$2,302/mo
Today · 4.125%
HK$77,426
baseline
▲ 0.50% · 4.625%
HK$82,138
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,852/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,053
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,227
−HK$2,205/mo
Today · 4.125%
HK$85,432
baseline
▲ 0.50% · 4.625%
HK$89,936
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,864/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,429
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,149
−HK$2,763/mo
Today · 4.125%
HK$92,912
baseline
▲ 0.50% · 4.625%
HK$98,565
+HK$5,653/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,824/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,264
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,873
−HK$2,646/mo
Today · 4.125%
HK$102,519
baseline
▲ 0.50% · 4.625%
HK$107,923
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,038/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,001
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,173
−HK$3,224/mo
Today · 4.125%
HK$108,397
baseline
▲ 0.50% · 4.625%
HK$114,993
+HK$6,596/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,794/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,475
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,518
−HK$3,087/mo
Today · 4.125%
HK$119,605
baseline
▲ 0.50% · 4.625%
HK$125,910
+HK$6,305/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,210/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,144
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,223
−HK$4,144/mo
Today · 4.125%
HK$139,367
baseline
▲ 0.50% · 4.625%
HK$147,848
+HK$8,481/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,734/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,896
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,809
−HK$3,969/mo
Today · 4.125%
HK$153,778
baseline
▲ 0.50% · 4.625%
HK$161,884
+HK$8,106/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,556/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,938 · Scale 2, in force from 26 Feb 2026)