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$71,805
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$74,039
−HK$2,269/mo
Today · 4.125%
HK$76,308
baseline
▲ 0.50% · 4.625%
HK$80,951
+HK$4,643/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$152,616/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,882
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$82,025
−HK$2,173/mo
Today · 4.125%
HK$84,198
baseline
▲ 0.50% · 4.625%
HK$88,636
+HK$4,438/mo
Deposit HK$15.74M · loan HK$15.74M · min. income ≈ HK$168,396/mo (50% DSR)
Upfront cash ≈ HK$17.08M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,166
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,846
−HK$2,723/mo
Today · 4.125%
HK$91,569
baseline
▲ 0.50% · 4.625%
HK$97,141
+HK$5,572/mo
Deposit HK$12.60M · loan HK$18.89M · min. income ≈ HK$183,138/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,859
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,430
−HK$2,608/mo
Today · 4.125%
HK$101,038
baseline
▲ 0.50% · 4.625%
HK$106,364
+HK$5,326/mo
Deposit HK$12.60M · loan HK$18.89M · min. income ≈ HK$202,076/mo (50% DSR)
Upfront cash ≈ HK$13.93M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,527
−HK$6,304/mo
▼ 0.25% · 3.875%
HK$103,654
−HK$3,177/mo
Today · 4.125%
HK$106,831
baseline
▲ 0.50% · 4.625%
HK$113,331
+HK$6,500/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$213,662/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,835
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$114,835
−HK$3,043/mo
Today · 4.125%
HK$117,878
baseline
▲ 0.50% · 4.625%
HK$124,091
+HK$6,213/mo
Deposit HK$9.45M · loan HK$22.04M · min. income ≈ HK$235,756/mo (50% DSR)
Upfront cash ≈ HK$10.79M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,249
−HK$8,105/mo
▼ 0.25% · 3.875%
HK$133,270
−HK$4,084/mo
Today · 4.125%
HK$137,354
baseline
▲ 0.50% · 4.625%
HK$145,712
+HK$8,358/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$274,708/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,788
−HK$7,769/mo
▼ 0.25% · 3.875%
HK$147,645
−HK$3,912/mo
Today · 4.125%
HK$151,557
baseline
▲ 0.50% · 4.625%
HK$159,546
+HK$7,989/mo
Deposit HK$3.15M · loan HK$28.34M · min. income ≈ HK$303,114/mo (50% DSR)
Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$1,338,322 · Scale 2, in force from 26 Feb 2026)