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$72,698
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,959
−HK$2,298/mo
Today · 4.125%
HK$77,257
baseline
▲ 0.50% · 4.625%
HK$81,958
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,514/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,876
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,045
−HK$2,200/mo
Today · 4.125%
HK$85,245
baseline
▲ 0.50% · 4.625%
HK$89,738
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,490/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,237
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,951
−HK$2,757/mo
Today · 4.125%
HK$92,708
baseline
▲ 0.50% · 4.625%
HK$98,349
+HK$5,641/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,416/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,051
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,654
−HK$2,640/mo
Today · 4.125%
HK$102,294
baseline
▲ 0.50% · 4.625%
HK$107,686
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,588/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,777
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,943
−HK$3,216/mo
Today · 4.125%
HK$108,159
baseline
▲ 0.50% · 4.625%
HK$114,741
+HK$6,582/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,318/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,226
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,263
−HK$3,080/mo
Today · 4.125%
HK$119,343
baseline
▲ 0.50% · 4.625%
HK$125,634
+HK$6,291/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,686/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,856
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,926
−HK$4,136/mo
Today · 4.125%
HK$139,062
baseline
▲ 0.50% · 4.625%
HK$147,524
+HK$8,462/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,124/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,576
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,480
−HK$3,961/mo
Today · 4.125%
HK$153,441
baseline
▲ 0.50% · 4.625%
HK$161,529
+HK$8,088/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,882/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,961 · Scale 2, in force from 26 Feb 2026)