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$72,623
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,882
−HK$2,295/mo
Today · 4.125%
HK$77,177
baseline
▲ 0.50% · 4.625%
HK$81,873
+HK$4,696/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,354/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,792
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,959
−HK$2,198/mo
Today · 4.125%
HK$85,157
baseline
▲ 0.50% · 4.625%
HK$89,646
+HK$4,489/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,314/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,147
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,858
−HK$2,754/mo
Today · 4.125%
HK$92,612
baseline
▲ 0.50% · 4.625%
HK$98,248
+HK$5,636/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,224/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,951
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,551
−HK$2,638/mo
Today · 4.125%
HK$102,189
baseline
▲ 0.50% · 4.625%
HK$107,575
+HK$5,386/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,378/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,672
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,834
−HK$3,214/mo
Today · 4.125%
HK$108,048
baseline
▲ 0.50% · 4.625%
HK$114,622
+HK$6,574/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,096/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,109
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$116,143
−HK$3,077/mo
Today · 4.125%
HK$119,220
baseline
▲ 0.50% · 4.625%
HK$125,504
+HK$6,284/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,440/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,721
−HK$8,197/mo
▼ 0.25% · 3.875%
HK$134,787
−HK$4,131/mo
Today · 4.125%
HK$138,918
baseline
▲ 0.50% · 4.625%
HK$147,371
+HK$8,453/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,836/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,426
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,326
−HK$3,957/mo
Today · 4.125%
HK$153,283
baseline
▲ 0.50% · 4.625%
HK$161,362
+HK$8,079/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,566/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,563 · Scale 2, in force from 26 Feb 2026)