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$72,788
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,052
−HK$2,301/mo
Today · 4.125%
HK$77,353
baseline
▲ 0.50% · 4.625%
HK$82,059
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,706/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,976
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,148
−HK$2,203/mo
Today · 4.125%
HK$85,351
baseline
▲ 0.50% · 4.625%
HK$89,850
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,702/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,346
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,063
−HK$2,760/mo
Today · 4.125%
HK$92,823
baseline
▲ 0.50% · 4.625%
HK$98,471
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,646/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,171
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,778
−HK$2,643/mo
Today · 4.125%
HK$102,421
baseline
▲ 0.50% · 4.625%
HK$107,820
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,842/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,904
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,073
−HK$3,221/mo
Today · 4.125%
HK$108,294
baseline
▲ 0.50% · 4.625%
HK$114,883
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$216,588/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,367
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,407
−HK$3,085/mo
Today · 4.125%
HK$119,492
baseline
▲ 0.50% · 4.625%
HK$125,790
+HK$6,298/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$238,984/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,019
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,094
−HK$4,141/mo
Today · 4.125%
HK$139,235
baseline
▲ 0.50% · 4.625%
HK$147,707
+HK$8,472/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,470/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,757
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,666
−HK$3,966/mo
Today · 4.125%
HK$153,632
baseline
▲ 0.50% · 4.625%
HK$161,730
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,264/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,647 · Scale 2, in force from 26 Feb 2026)