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$72,870
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,137
−HK$2,303/mo
Today · 4.125%
HK$77,440
baseline
▲ 0.50% · 4.625%
HK$82,152
+HK$4,712/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,880/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,067
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,205/mo
Today · 4.125%
HK$85,447
baseline
▲ 0.50% · 4.625%
HK$89,951
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,894/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,444
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,164
−HK$2,764/mo
Today · 4.125%
HK$92,928
baseline
▲ 0.50% · 4.625%
HK$98,582
+HK$5,654/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,856/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,281
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,890
−HK$2,647/mo
Today · 4.125%
HK$102,537
baseline
▲ 0.50% · 4.625%
HK$107,941
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,074/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,018
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,192
−HK$3,224/mo
Today · 4.125%
HK$108,416
baseline
▲ 0.50% · 4.625%
HK$115,013
+HK$6,597/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,832/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,494
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$116,538
−HK$3,088/mo
Today · 4.125%
HK$119,626
baseline
▲ 0.50% · 4.625%
HK$125,932
+HK$6,306/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,252/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,166
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,246
−HK$4,146/mo
Today · 4.125%
HK$139,392
baseline
▲ 0.50% · 4.625%
HK$147,873
+HK$8,481/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,784/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,921
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,835
−HK$3,970/mo
Today · 4.125%
HK$153,805
baseline
▲ 0.50% · 4.625%
HK$161,912
+HK$8,107/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,610/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,174 · Scale 2, in force from 26 Feb 2026)