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$72,674
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$2,297/mo
Today · 4.125%
HK$77,232
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,699/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,464/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,849
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,199/mo
Today · 4.125%
HK$85,217
baseline
▲ 0.50% · 4.625%
HK$89,709
+HK$4,492/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,434/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,209
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,922
−HK$2,756/mo
Today · 4.125%
HK$92,678
baseline
▲ 0.50% · 4.625%
HK$98,317
+HK$5,639/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,356/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,019
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,621
−HK$2,640/mo
Today · 4.125%
HK$102,261
baseline
▲ 0.50% · 4.625%
HK$107,651
+HK$5,390/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,522/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,744
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,909
−HK$3,215/mo
Today · 4.125%
HK$108,124
baseline
▲ 0.50% · 4.625%
HK$114,703
+HK$6,579/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,248/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,189
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,225
−HK$3,079/mo
Today · 4.125%
HK$119,304
baseline
▲ 0.50% · 4.625%
HK$125,593
+HK$6,289/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,608/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,814
−HK$8,203/mo
▼ 0.25% · 3.875%
HK$134,883
−HK$4,134/mo
Today · 4.125%
HK$139,017
baseline
▲ 0.50% · 4.625%
HK$147,476
+HK$8,459/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$278,034/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,529
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,432
−HK$3,959/mo
Today · 4.125%
HK$153,391
baseline
▲ 0.50% · 4.625%
HK$161,477
+HK$8,086/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,782/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,522 · Scale 2, in force from 26 Feb 2026)