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$72,475
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,729
−HK$2,291/mo
Today · 4.125%
HK$77,020
baseline
▲ 0.50% · 4.625%
HK$81,706
+HK$4,686/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$154,040/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,627
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,790
−HK$2,193/mo
Today · 4.125%
HK$84,983
baseline
▲ 0.50% · 4.625%
HK$89,463
+HK$4,480/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,966/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,970
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,675
−HK$2,748/mo
Today · 4.125%
HK$92,423
baseline
▲ 0.50% · 4.625%
HK$98,047
+HK$5,624/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$184,846/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,753
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,348
−HK$2,632/mo
Today · 4.125%
HK$101,980
baseline
▲ 0.50% · 4.625%
HK$107,356
+HK$5,376/mo
Deposit HK$12.71M · loan HK$19.07M · min. income ≈ HK$203,960/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,465
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,621
−HK$3,206/mo
Today · 4.125%
HK$107,827
baseline
▲ 0.50% · 4.625%
HK$114,388
+HK$6,561/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$215,654/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,878
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$115,906
−HK$3,071/mo
Today · 4.125%
HK$118,977
baseline
▲ 0.50% · 4.625%
HK$125,248
+HK$6,271/mo
Deposit HK$9.54M · loan HK$22.25M · min. income ≈ HK$237,954/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,454
−HK$8,181/mo
▼ 0.25% · 3.875%
HK$134,512
−HK$4,123/mo
Today · 4.125%
HK$138,635
baseline
▲ 0.50% · 4.625%
HK$147,071
+HK$8,436/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$277,270/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,129
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$149,022
−HK$3,948/mo
Today · 4.125%
HK$152,970
baseline
▲ 0.50% · 4.625%
HK$161,033
+HK$8,063/mo
Deposit HK$3.18M · loan HK$28.61M · min. income ≈ HK$305,940/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,803 · Scale 2, in force from 26 Feb 2026)