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$72,848
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,114
−HK$2,302/mo
Today · 4.125%
HK$77,416
baseline
▲ 0.50% · 4.625%
HK$82,127
+HK$4,711/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,832/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,043
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,216
−HK$2,205/mo
Today · 4.125%
HK$85,421
baseline
▲ 0.50% · 4.625%
HK$89,924
+HK$4,503/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,842/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,418
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,137
−HK$2,762/mo
Today · 4.125%
HK$92,899
baseline
▲ 0.50% · 4.625%
HK$98,552
+HK$5,653/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,798/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,251
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,859
−HK$2,646/mo
Today · 4.125%
HK$102,505
baseline
▲ 0.50% · 4.625%
HK$107,909
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,010/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,987
−HK$6,396/mo
▼ 0.25% · 3.875%
HK$105,160
−HK$3,223/mo
Today · 4.125%
HK$108,383
baseline
▲ 0.50% · 4.625%
HK$114,977
+HK$6,594/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,766/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,460
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$116,503
−HK$3,087/mo
Today · 4.125%
HK$119,590
baseline
▲ 0.50% · 4.625%
HK$125,893
+HK$6,303/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,180/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,126
−HK$8,223/mo
▼ 0.25% · 3.875%
HK$135,205
−HK$4,144/mo
Today · 4.125%
HK$139,349
baseline
▲ 0.50% · 4.625%
HK$147,828
+HK$8,479/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,698/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,877
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$149,789
−HK$3,969/mo
Today · 4.125%
HK$153,758
baseline
▲ 0.50% · 4.625%
HK$161,863
+HK$8,105/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,516/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,760 · Scale 2, in force from 26 Feb 2026)