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$72,460
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,714
−HK$2,290/mo
Today · 4.125%
HK$77,004
baseline
▲ 0.50% · 4.625%
HK$81,690
+HK$4,686/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,008/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,611
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,773
−HK$2,193/mo
Today · 4.125%
HK$84,966
baseline
▲ 0.50% · 4.625%
HK$89,445
+HK$4,479/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,932/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,952
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,657
−HK$2,748/mo
Today · 4.125%
HK$92,405
baseline
▲ 0.50% · 4.625%
HK$98,028
+HK$5,623/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,810/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,733
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,328
−HK$2,632/mo
Today · 4.125%
HK$101,960
baseline
▲ 0.50% · 4.625%
HK$107,334
+HK$5,374/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,920/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,444
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,600
−HK$3,206/mo
Today · 4.125%
HK$107,806
baseline
▲ 0.50% · 4.625%
HK$114,365
+HK$6,559/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$215,612/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,856
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$115,882
−HK$3,071/mo
Today · 4.125%
HK$118,953
baseline
▲ 0.50% · 4.625%
HK$125,223
+HK$6,270/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$237,906/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,428
−HK$8,179/mo
▼ 0.25% · 3.875%
HK$134,485
−HK$4,122/mo
Today · 4.125%
HK$138,607
baseline
▲ 0.50% · 4.625%
HK$147,041
+HK$8,434/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$277,214/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,100
−HK$7,840/mo
▼ 0.25% · 3.875%
HK$148,992
−HK$3,948/mo
Today · 4.125%
HK$152,940
baseline
▲ 0.50% · 4.625%
HK$161,001
+HK$8,061/mo
Deposit HK$3.18M · loan HK$28.60M · min. income ≈ HK$305,880/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,532 · Scale 2, in force from 26 Feb 2026)