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$72,618
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,877
−HK$2,295/mo
Today · 4.125%
HK$77,172
baseline
▲ 0.50% · 4.625%
HK$81,868
+HK$4,696/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$154,344/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,787
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,954
−HK$2,198/mo
Today · 4.125%
HK$85,152
baseline
▲ 0.50% · 4.625%
HK$89,640
+HK$4,488/mo
Deposit HK$15.92M · loan HK$15.92M · min. income ≈ HK$170,304/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,142
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,852
−HK$2,754/mo
Today · 4.125%
HK$92,606
baseline
▲ 0.50% · 4.625%
HK$98,241
+HK$5,635/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,212/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,944
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,544
−HK$2,638/mo
Today · 4.125%
HK$102,182
baseline
▲ 0.50% · 4.625%
HK$107,568
+HK$5,386/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,364/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,665
−HK$6,376/mo
▼ 0.25% · 3.875%
HK$104,828
−HK$3,213/mo
Today · 4.125%
HK$108,041
baseline
▲ 0.50% · 4.625%
HK$114,615
+HK$6,574/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$216,082/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,102
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$116,135
−HK$3,077/mo
Today · 4.125%
HK$119,212
baseline
▲ 0.50% · 4.625%
HK$125,496
+HK$6,284/mo
Deposit HK$9.55M · loan HK$22.29M · min. income ≈ HK$238,424/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,713
−HK$8,196/mo
▼ 0.25% · 3.875%
HK$134,778
−HK$4,131/mo
Today · 4.125%
HK$138,909
baseline
▲ 0.50% · 4.625%
HK$147,362
+HK$8,453/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$277,818/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,416
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$149,316
−HK$3,957/mo
Today · 4.125%
HK$153,273
baseline
▲ 0.50% · 4.625%
HK$161,352
+HK$8,079/mo
Deposit HK$3.18M · loan HK$28.66M · min. income ≈ HK$306,546/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,475 · Scale 2, in force from 26 Feb 2026)