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$72,550
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,807
−HK$2,292/mo
Today · 4.125%
HK$77,099
baseline
▲ 0.50% · 4.625%
HK$81,791
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,198/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,196/mo
Today · 4.125%
HK$85,072
baseline
▲ 0.50% · 4.625%
HK$89,556
+HK$4,484/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,144/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,060
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,768
−HK$2,751/mo
Today · 4.125%
HK$92,519
baseline
▲ 0.50% · 4.625%
HK$98,149
+HK$5,630/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,038/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,853
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,451
−HK$2,635/mo
Today · 4.125%
HK$102,086
baseline
▲ 0.50% · 4.625%
HK$107,467
+HK$5,381/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,172/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,570
−HK$6,369/mo
▼ 0.25% · 3.875%
HK$104,729
−HK$3,210/mo
Today · 4.125%
HK$107,939
baseline
▲ 0.50% · 4.625%
HK$114,507
+HK$6,568/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,878/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,995
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,026
−HK$3,074/mo
Today · 4.125%
HK$119,100
baseline
▲ 0.50% · 4.625%
HK$125,378
+HK$6,278/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,200/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,590
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,652
−HK$4,127/mo
Today · 4.125%
HK$138,779
baseline
▲ 0.50% · 4.625%
HK$147,223
+HK$8,444/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,558/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,280
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,176
−HK$3,953/mo
Today · 4.125%
HK$153,129
baseline
▲ 0.50% · 4.625%
HK$161,201
+HK$8,072/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,258/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,204 · Scale 2, in force from 26 Feb 2026)