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$72,483
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,738
−HK$2,291/mo
Today · 4.125%
HK$77,029
baseline
▲ 0.50% · 4.625%
HK$81,716
+HK$4,687/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,058/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,637
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,800
−HK$2,194/mo
Today · 4.125%
HK$84,994
baseline
▲ 0.50% · 4.625%
HK$89,474
+HK$4,480/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,988/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,980
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,686
−HK$2,749/mo
Today · 4.125%
HK$92,435
baseline
▲ 0.50% · 4.625%
HK$98,059
+HK$5,624/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,870/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,765
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,360
−HK$2,632/mo
Today · 4.125%
HK$101,992
baseline
▲ 0.50% · 4.625%
HK$107,369
+HK$5,377/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,984/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,477
−HK$6,363/mo
▼ 0.25% · 3.875%
HK$104,633
−HK$3,207/mo
Today · 4.125%
HK$107,840
baseline
▲ 0.50% · 4.625%
HK$114,402
+HK$6,562/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,680/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,892
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,920
−HK$3,071/mo
Today · 4.125%
HK$118,991
baseline
▲ 0.50% · 4.625%
HK$125,263
+HK$6,272/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,982/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,470
−HK$8,182/mo
▼ 0.25% · 3.875%
HK$134,529
−HK$4,123/mo
Today · 4.125%
HK$138,652
baseline
▲ 0.50% · 4.625%
HK$147,089
+HK$8,437/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,304/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,147
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$149,040
−HK$3,949/mo
Today · 4.125%
HK$152,989
baseline
▲ 0.50% · 4.625%
HK$161,053
+HK$8,064/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,978/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,966 · Scale 2, in force from 26 Feb 2026)