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$72,574
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$2,293/mo
Today · 4.125%
HK$77,125
baseline
▲ 0.50% · 4.625%
HK$81,818
+HK$4,693/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,250/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,738
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,903
−HK$2,197/mo
Today · 4.125%
HK$85,100
baseline
▲ 0.50% · 4.625%
HK$89,586
+HK$4,486/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,200/mo (50% DSR)
Upfront cash ≈ HK$17.27M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,089
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,798
−HK$2,752/mo
Today · 4.125%
HK$92,550
baseline
▲ 0.50% · 4.625%
HK$98,182
+HK$5,632/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$185,100/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,885
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,484
−HK$2,636/mo
Today · 4.125%
HK$102,120
baseline
▲ 0.50% · 4.625%
HK$107,503
+HK$5,383/mo
Deposit HK$12.73M · loan HK$19.10M · min. income ≈ HK$204,240/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,604
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,764
−HK$3,211/mo
Today · 4.125%
HK$107,975
baseline
▲ 0.50% · 4.625%
HK$114,545
+HK$6,570/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,950/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,033
−HK$6,107/mo
▼ 0.25% · 3.875%
HK$116,065
−HK$3,075/mo
Today · 4.125%
HK$119,140
baseline
▲ 0.50% · 4.625%
HK$125,420
+HK$6,280/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,280/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,633
−HK$8,192/mo
▼ 0.25% · 3.875%
HK$134,697
−HK$4,128/mo
Today · 4.125%
HK$138,825
baseline
▲ 0.50% · 4.625%
HK$147,272
+HK$8,447/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,650/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,328
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$149,226
−HK$3,954/mo
Today · 4.125%
HK$153,180
baseline
▲ 0.50% · 4.625%
HK$161,254
+HK$8,074/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,360/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,654 · Scale 2, in force from 26 Feb 2026)