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$72,525
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$2,292/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,762
+HK$4,689/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,683
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,195/mo
Today · 4.125%
HK$85,042
baseline
▲ 0.50% · 4.625%
HK$89,525
+HK$4,483/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,084/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,030
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,737
−HK$2,750/mo
Today · 4.125%
HK$92,487
baseline
▲ 0.50% · 4.625%
HK$98,115
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,974/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,820
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,416
−HK$2,635/mo
Today · 4.125%
HK$102,051
baseline
▲ 0.50% · 4.625%
HK$107,430
+HK$5,379/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,102/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,535
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,693
−HK$3,209/mo
Today · 4.125%
HK$107,902
baseline
▲ 0.50% · 4.625%
HK$114,467
+HK$6,565/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,804/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,956
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,986
−HK$3,073/mo
Today · 4.125%
HK$119,059
baseline
▲ 0.50% · 4.625%
HK$125,335
+HK$6,276/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,118/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,545
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,605
−HK$4,126/mo
Today · 4.125%
HK$138,731
baseline
▲ 0.50% · 4.625%
HK$147,172
+HK$8,441/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,462/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,230
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$149,125
−HK$3,951/mo
Today · 4.125%
HK$153,076
baseline
▲ 0.50% · 4.625%
HK$161,145
+HK$8,069/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,152/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,737 · Scale 2, in force from 26 Feb 2026)