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$72,712
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,974
−HK$2,298/mo
Today · 4.125%
HK$77,272
baseline
▲ 0.50% · 4.625%
HK$81,974
+HK$4,702/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,544/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,892
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,061
−HK$2,201/mo
Today · 4.125%
HK$85,262
baseline
▲ 0.50% · 4.625%
HK$89,756
+HK$4,494/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,524/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,255
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,969
−HK$2,758/mo
Today · 4.125%
HK$92,727
baseline
▲ 0.50% · 4.625%
HK$98,369
+HK$5,642/mo
Deposit HK$12.76M · loan HK$19.13M · min. income ≈ HK$185,454/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,070
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,674
−HK$2,641/mo
Today · 4.125%
HK$102,315
baseline
▲ 0.50% · 4.625%
HK$107,708
+HK$5,393/mo
Deposit HK$12.76M · loan HK$19.13M · min. income ≈ HK$204,630/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,797
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,964
−HK$3,217/mo
Today · 4.125%
HK$108,181
baseline
▲ 0.50% · 4.625%
HK$114,763
+HK$6,582/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,362/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,249
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,286
−HK$3,081/mo
Today · 4.125%
HK$119,367
baseline
▲ 0.50% · 4.625%
HK$125,659
+HK$6,292/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,734/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,882
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,953
−HK$4,137/mo
Today · 4.125%
HK$139,090
baseline
▲ 0.50% · 4.625%
HK$147,553
+HK$8,463/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,180/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,605
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$149,510
−HK$3,962/mo
Today · 4.125%
HK$153,472
baseline
▲ 0.50% · 4.625%
HK$161,562
+HK$8,090/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,944/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,233 · Scale 2, in force from 26 Feb 2026)