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$72,880
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,147
−HK$2,303/mo
Today · 4.125%
HK$77,450
baseline
▲ 0.50% · 4.625%
HK$82,163
+HK$4,713/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,900/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,078
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,253
−HK$2,206/mo
Today · 4.125%
HK$85,459
baseline
▲ 0.50% · 4.625%
HK$89,963
+HK$4,504/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,918/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,456
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,176
−HK$2,764/mo
Today · 4.125%
HK$92,940
baseline
▲ 0.50% · 4.625%
HK$98,595
+HK$5,655/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$185,880/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,294
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,903
−HK$2,647/mo
Today · 4.125%
HK$102,550
baseline
▲ 0.50% · 4.625%
HK$107,956
+HK$5,406/mo
Deposit HK$12.78M · loan HK$19.18M · min. income ≈ HK$205,100/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,032
−HK$6,398/mo
▼ 0.25% · 3.875%
HK$105,206
−HK$3,224/mo
Today · 4.125%
HK$108,430
baseline
▲ 0.50% · 4.625%
HK$115,028
+HK$6,598/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,860/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,509
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,554
−HK$3,088/mo
Today · 4.125%
HK$119,642
baseline
▲ 0.50% · 4.625%
HK$125,948
+HK$6,306/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,284/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,184
−HK$8,226/mo
▼ 0.25% · 3.875%
HK$135,264
−HK$4,146/mo
Today · 4.125%
HK$139,410
baseline
▲ 0.50% · 4.625%
HK$147,893
+HK$8,483/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$278,820/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,941
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$149,855
−HK$3,970/mo
Today · 4.125%
HK$153,825
baseline
▲ 0.50% · 4.625%
HK$161,934
+HK$8,109/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$307,650/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,358,354 · Scale 2, in force from 26 Feb 2026)