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$72,758
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,022
−HK$2,299/mo
Today · 4.125%
HK$77,321
baseline
▲ 0.50% · 4.625%
HK$82,026
+HK$4,705/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,642/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,943
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,114
−HK$2,202/mo
Today · 4.125%
HK$85,316
baseline
▲ 0.50% · 4.625%
HK$89,813
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,632/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,310
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,026
−HK$2,759/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$5,646/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,131
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,737
−HK$2,642/mo
Today · 4.125%
HK$102,379
baseline
▲ 0.50% · 4.625%
HK$107,776
+HK$5,397/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,758/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,862
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,030
−HK$3,219/mo
Today · 4.125%
HK$108,249
baseline
▲ 0.50% · 4.625%
HK$114,836
+HK$6,587/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$216,498/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,320
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$116,359
−HK$3,083/mo
Today · 4.125%
HK$119,442
baseline
▲ 0.50% · 4.625%
HK$125,738
+HK$6,296/mo
Deposit HK$9.57M · loan HK$22.34M · min. income ≈ HK$238,884/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,965
−HK$8,213/mo
▼ 0.25% · 3.875%
HK$135,039
−HK$4,139/mo
Today · 4.125%
HK$139,178
baseline
▲ 0.50% · 4.625%
HK$147,646
+HK$8,468/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$278,356/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,697
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$149,605
−HK$3,964/mo
Today · 4.125%
HK$153,569
baseline
▲ 0.50% · 4.625%
HK$161,664
+HK$8,095/mo
Deposit HK$3.19M · loan HK$28.72M · min. income ≈ HK$307,138/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,089 · Scale 2, in force from 26 Feb 2026)