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$72,943
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,212
−HK$2,305/mo
Today · 4.125%
HK$77,517
baseline
▲ 0.50% · 4.625%
HK$82,234
+HK$4,717/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$155,034/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,148
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,325
−HK$2,208/mo
Today · 4.125%
HK$85,533
baseline
▲ 0.50% · 4.625%
HK$90,041
+HK$4,508/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,066/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,532
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,254
−HK$2,767/mo
Today · 4.125%
HK$93,021
baseline
▲ 0.50% · 4.625%
HK$98,681
+HK$5,660/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$186,042/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,378
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,990
−HK$2,649/mo
Today · 4.125%
HK$102,639
baseline
▲ 0.50% · 4.625%
HK$108,049
+HK$5,410/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$205,278/mo (50% DSR)
Upfront cash ≈ HK$14.16M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,120
−HK$6,404/mo
▼ 0.25% · 3.875%
HK$105,297
−HK$3,227/mo
Today · 4.125%
HK$108,524
baseline
▲ 0.50% · 4.625%
HK$115,128
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,048/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,608
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$116,655
−HK$3,091/mo
Today · 4.125%
HK$119,746
baseline
▲ 0.50% · 4.625%
HK$126,058
+HK$6,312/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,492/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,298
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,382
−HK$4,149/mo
Today · 4.125%
HK$139,531
baseline
▲ 0.50% · 4.625%
HK$148,021
+HK$8,490/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,062/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,067
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$149,985
−HK$3,974/mo
Today · 4.125%
HK$153,959
baseline
▲ 0.50% · 4.625%
HK$162,074
+HK$8,115/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,918/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,532 · Scale 2, in force from 26 Feb 2026)