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$72,720
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,982
−HK$2,299/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,983
+HK$4,702/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,901
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,070
−HK$2,202/mo
Today · 4.125%
HK$85,272
baseline
▲ 0.50% · 4.625%
HK$89,766
+HK$4,494/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,544/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,264
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,979
−HK$2,758/mo
Today · 4.125%
HK$92,737
baseline
▲ 0.50% · 4.625%
HK$98,380
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.13M · min. income ≈ HK$185,474/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,081
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,685
−HK$2,641/mo
Today · 4.125%
HK$102,326
baseline
▲ 0.50% · 4.625%
HK$107,720
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.13M · min. income ≈ HK$204,652/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,809
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$104,975
−HK$3,218/mo
Today · 4.125%
HK$108,193
baseline
▲ 0.50% · 4.625%
HK$114,776
+HK$6,583/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$216,386/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,261
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$116,299
−HK$3,081/mo
Today · 4.125%
HK$119,380
baseline
▲ 0.50% · 4.625%
HK$125,673
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.32M · min. income ≈ HK$238,760/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,897
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$134,968
−HK$4,137/mo
Today · 4.125%
HK$139,105
baseline
▲ 0.50% · 4.625%
HK$147,569
+HK$8,464/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,210/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,621
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$149,527
−HK$3,962/mo
Today · 4.125%
HK$153,489
baseline
▲ 0.50% · 4.625%
HK$161,579
+HK$8,090/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$306,978/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,382 · Scale 2, in force from 26 Feb 2026)