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$72,646
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,906
−HK$2,296/mo
Today · 4.125%
HK$77,202
baseline
▲ 0.50% · 4.625%
HK$81,899
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,404/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,818
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,985
−HK$2,199/mo
Today · 4.125%
HK$85,184
baseline
▲ 0.50% · 4.625%
HK$89,674
+HK$4,490/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,368/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,175
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,887
−HK$2,755/mo
Today · 4.125%
HK$92,642
baseline
▲ 0.50% · 4.625%
HK$98,279
+HK$5,637/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$185,284/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,981
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$2,639/mo
Today · 4.125%
HK$102,221
baseline
▲ 0.50% · 4.625%
HK$107,609
+HK$5,388/mo
Deposit HK$12.74M · loan HK$19.12M · min. income ≈ HK$204,442/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,704
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,868
−HK$3,214/mo
Today · 4.125%
HK$108,082
baseline
▲ 0.50% · 4.625%
HK$114,659
+HK$6,577/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,164/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,145
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$116,180
−HK$3,078/mo
Today · 4.125%
HK$119,258
baseline
▲ 0.50% · 4.625%
HK$125,544
+HK$6,286/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,516/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,763
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$134,830
−HK$4,133/mo
Today · 4.125%
HK$138,963
baseline
▲ 0.50% · 4.625%
HK$147,418
+HK$8,455/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,926/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,472
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,374
−HK$3,958/mo
Today · 4.125%
HK$153,332
baseline
▲ 0.50% · 4.625%
HK$161,414
+HK$8,082/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,664/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,994 · Scale 2, in force from 26 Feb 2026)