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$72,724
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,986
−HK$2,299/mo
Today · 4.125%
HK$77,285
baseline
▲ 0.50% · 4.625%
HK$81,987
+HK$4,702/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,570/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,905
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,075
−HK$2,201/mo
Today · 4.125%
HK$85,276
baseline
▲ 0.50% · 4.625%
HK$89,771
+HK$4,495/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,552/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,269
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,984
−HK$2,758/mo
Today · 4.125%
HK$92,742
baseline
▲ 0.50% · 4.625%
HK$98,385
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,484/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,086
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,690
−HK$2,641/mo
Today · 4.125%
HK$102,331
baseline
▲ 0.50% · 4.625%
HK$107,725
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,662/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,814
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,981
−HK$3,218/mo
Today · 4.125%
HK$108,199
baseline
▲ 0.50% · 4.625%
HK$114,782
+HK$6,583/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,398/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,267
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,305
−HK$3,082/mo
Today · 4.125%
HK$119,387
baseline
▲ 0.50% · 4.625%
HK$125,680
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,774/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,904
−HK$8,209/mo
▼ 0.25% · 3.875%
HK$134,976
−HK$4,137/mo
Today · 4.125%
HK$139,113
baseline
▲ 0.50% · 4.625%
HK$147,577
+HK$8,464/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,226/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,629
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,535
−HK$3,962/mo
Today · 4.125%
HK$153,497
baseline
▲ 0.50% · 4.625%
HK$161,588
+HK$8,091/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,994/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,455 · Scale 2, in force from 26 Feb 2026)