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$72,523
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,779
−HK$2,292/mo
Today · 4.125%
HK$77,071
baseline
▲ 0.50% · 4.625%
HK$81,761
+HK$4,690/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,142/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,681
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,845
−HK$2,195/mo
Today · 4.125%
HK$85,040
baseline
▲ 0.50% · 4.625%
HK$89,523
+HK$4,483/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,080/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,028
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,735
−HK$2,750/mo
Today · 4.125%
HK$92,485
baseline
▲ 0.50% · 4.625%
HK$98,113
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,970/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,818
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,414
−HK$2,634/mo
Today · 4.125%
HK$102,048
baseline
▲ 0.50% · 4.625%
HK$107,428
+HK$5,380/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,096/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,533
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,691
−HK$3,209/mo
Today · 4.125%
HK$107,900
baseline
▲ 0.50% · 4.625%
HK$114,465
+HK$6,565/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,800/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,954
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,983
−HK$3,074/mo
Today · 4.125%
HK$119,057
baseline
▲ 0.50% · 4.625%
HK$125,332
+HK$6,275/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,114/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,542
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,602
−HK$4,126/mo
Today · 4.125%
HK$138,728
baseline
▲ 0.50% · 4.625%
HK$147,169
+HK$8,441/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,227
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$149,121
−HK$3,952/mo
Today · 4.125%
HK$153,073
baseline
▲ 0.50% · 4.625%
HK$161,141
+HK$8,068/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,146/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,708 · Scale 2, in force from 26 Feb 2026)