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$72,707
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,968
−HK$2,298/mo
Today · 4.125%
HK$77,266
baseline
▲ 0.50% · 4.625%
HK$81,967
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,532/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,885
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,055
−HK$2,200/mo
Today · 4.125%
HK$85,255
baseline
▲ 0.50% · 4.625%
HK$89,749
+HK$4,494/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,510/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,248
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,962
−HK$2,757/mo
Today · 4.125%
HK$92,719
baseline
▲ 0.50% · 4.625%
HK$98,361
+HK$5,642/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,438/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,063
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,666
−HK$2,641/mo
Today · 4.125%
HK$102,307
baseline
▲ 0.50% · 4.625%
HK$107,699
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,614/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,789
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,956
−HK$3,216/mo
Today · 4.125%
HK$108,172
baseline
▲ 0.50% · 4.625%
HK$114,754
+HK$6,582/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,344/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,240
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$116,277
−HK$3,081/mo
Today · 4.125%
HK$119,358
baseline
▲ 0.50% · 4.625%
HK$125,649
+HK$6,291/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,716/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,872
−HK$8,207/mo
▼ 0.25% · 3.875%
HK$134,943
−HK$4,136/mo
Today · 4.125%
HK$139,079
baseline
▲ 0.50% · 4.625%
HK$147,541
+HK$8,462/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,158/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,594
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$149,499
−HK$3,961/mo
Today · 4.125%
HK$153,460
baseline
▲ 0.50% · 4.625%
HK$161,549
+HK$8,089/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,920/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,126 · Scale 2, in force from 26 Feb 2026)