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$72,602
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,861
−HK$2,294/mo
Today · 4.125%
HK$77,155
baseline
▲ 0.50% · 4.625%
HK$81,850
+HK$4,695/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,310/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,769
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,936
−HK$2,197/mo
Today · 4.125%
HK$85,133
baseline
▲ 0.50% · 4.625%
HK$89,621
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,266/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,123
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,833
−HK$2,753/mo
Today · 4.125%
HK$92,586
baseline
▲ 0.50% · 4.625%
HK$98,220
+HK$5,634/mo
Deposit HK$12.74M · loan HK$19.10M · min. income ≈ HK$185,172/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,923
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,523
−HK$2,637/mo
Today · 4.125%
HK$102,160
baseline
▲ 0.50% · 4.625%
HK$107,545
+HK$5,385/mo
Deposit HK$12.74M · loan HK$19.10M · min. income ≈ HK$204,320/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,643
−HK$6,374/mo
▼ 0.25% · 3.875%
HK$104,805
−HK$3,212/mo
Today · 4.125%
HK$108,017
baseline
▲ 0.50% · 4.625%
HK$114,590
+HK$6,573/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,034/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,077
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$116,110
−HK$3,076/mo
Today · 4.125%
HK$119,186
baseline
▲ 0.50% · 4.625%
HK$125,469
+HK$6,283/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,372/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,684
−HK$8,195/mo
▼ 0.25% · 3.875%
HK$134,749
−HK$4,130/mo
Today · 4.125%
HK$138,879
baseline
▲ 0.50% · 4.625%
HK$147,330
+HK$8,451/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,758/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,385
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$149,284
−HK$3,956/mo
Today · 4.125%
HK$153,240
baseline
▲ 0.50% · 4.625%
HK$161,317
+HK$8,077/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,480/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,182 · Scale 2, in force from 26 Feb 2026)