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$72,455
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,709
−HK$2,290/mo
Today · 4.125%
HK$76,999
baseline
▲ 0.50% · 4.625%
HK$81,684
+HK$4,685/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$153,998/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,606
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,768
−HK$2,193/mo
Today · 4.125%
HK$84,961
baseline
▲ 0.50% · 4.625%
HK$89,439
+HK$4,478/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,922/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,947
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,651
−HK$2,748/mo
Today · 4.125%
HK$92,399
baseline
▲ 0.50% · 4.625%
HK$98,021
+HK$5,622/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,798/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,727
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,321
−HK$2,632/mo
Today · 4.125%
HK$101,953
baseline
▲ 0.50% · 4.625%
HK$107,327
+HK$5,374/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,906/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,438
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,593
−HK$3,206/mo
Today · 4.125%
HK$107,799
baseline
▲ 0.50% · 4.625%
HK$114,358
+HK$6,559/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$215,598/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,848
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,875
−HK$3,070/mo
Today · 4.125%
HK$118,945
baseline
▲ 0.50% · 4.625%
HK$125,215
+HK$6,270/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$237,890/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,420
−HK$8,178/mo
▼ 0.25% · 3.875%
HK$134,477
−HK$4,121/mo
Today · 4.125%
HK$138,598
baseline
▲ 0.50% · 4.625%
HK$147,032
+HK$8,434/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$277,196/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,091
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$148,982
−HK$3,948/mo
Today · 4.125%
HK$152,930
baseline
▲ 0.50% · 4.625%
HK$160,991
+HK$8,061/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$305,860/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,444 · Scale 2, in force from 26 Feb 2026)