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$72,570
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,827
−HK$2,294/mo
Today · 4.125%
HK$77,121
baseline
▲ 0.50% · 4.625%
HK$81,813
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,242/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,733
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,898
−HK$2,197/mo
Today · 4.125%
HK$85,095
baseline
▲ 0.50% · 4.625%
HK$89,580
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,190/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,084
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,793
−HK$2,752/mo
Today · 4.125%
HK$92,545
baseline
▲ 0.50% · 4.625%
HK$98,176
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$185,090/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,880
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,478
−HK$2,636/mo
Today · 4.125%
HK$102,114
baseline
▲ 0.50% · 4.625%
HK$107,496
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$204,228/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,598
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,758
−HK$3,211/mo
Today · 4.125%
HK$107,969
baseline
▲ 0.50% · 4.625%
HK$114,538
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,938/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,026
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,058
−HK$3,075/mo
Today · 4.125%
HK$119,133
baseline
▲ 0.50% · 4.625%
HK$125,413
+HK$6,280/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,266/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,626
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,689
−HK$4,128/mo
Today · 4.125%
HK$138,817
baseline
▲ 0.50% · 4.625%
HK$147,264
+HK$8,447/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,634/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,320
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,217
−HK$3,954/mo
Today · 4.125%
HK$153,171
baseline
▲ 0.50% · 4.625%
HK$161,245
+HK$8,074/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,342/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,575 · Scale 2, in force from 26 Feb 2026)