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$72,794
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,058
−HK$2,301/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,982
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,154
−HK$2,204/mo
Today · 4.125%
HK$85,358
baseline
▲ 0.50% · 4.625%
HK$89,857
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,716/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,353
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,070
−HK$2,760/mo
Today · 4.125%
HK$92,830
baseline
▲ 0.50% · 4.625%
HK$98,479
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,660/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,179
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,785
−HK$2,644/mo
Today · 4.125%
HK$102,429
baseline
▲ 0.50% · 4.625%
HK$107,828
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,858/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,911
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,081
−HK$3,221/mo
Today · 4.125%
HK$108,302
baseline
▲ 0.50% · 4.625%
HK$114,892
+HK$6,590/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,604/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,375
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,416
−HK$3,085/mo
Today · 4.125%
HK$119,501
baseline
▲ 0.50% · 4.625%
HK$125,800
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,002/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,029
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,105
−HK$4,140/mo
Today · 4.125%
HK$139,245
baseline
▲ 0.50% · 4.625%
HK$147,718
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,490/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,768
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,678
−HK$3,966/mo
Today · 4.125%
HK$153,644
baseline
▲ 0.50% · 4.625%
HK$161,742
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,288/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,750 · Scale 2, in force from 26 Feb 2026)