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$72,784
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,047
−HK$2,301/mo
Today · 4.125%
HK$77,348
baseline
▲ 0.50% · 4.625%
HK$82,054
+HK$4,706/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,696/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,971
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,143
−HK$2,203/mo
Today · 4.125%
HK$85,346
baseline
▲ 0.50% · 4.625%
HK$89,844
+HK$4,498/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,692/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,340
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,057
−HK$2,760/mo
Today · 4.125%
HK$92,817
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$5,648/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,634/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,165
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,771
−HK$2,644/mo
Today · 4.125%
HK$102,415
baseline
▲ 0.50% · 4.625%
HK$107,813
+HK$5,398/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,830/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,897
−HK$6,390/mo
▼ 0.25% · 3.875%
HK$105,066
−HK$3,221/mo
Today · 4.125%
HK$108,287
baseline
▲ 0.50% · 4.625%
HK$114,876
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$216,574/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,359
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,400
−HK$3,084/mo
Today · 4.125%
HK$119,484
baseline
▲ 0.50% · 4.625%
HK$125,782
+HK$6,298/mo
Deposit HK$9.58M · loan HK$22.34M · min. income ≈ HK$238,968/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,010
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,085
−HK$4,141/mo
Today · 4.125%
HK$139,226
baseline
▲ 0.50% · 4.625%
HK$147,697
+HK$8,471/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,452/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,748
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$149,657
−HK$3,965/mo
Today · 4.125%
HK$153,622
baseline
▲ 0.50% · 4.625%
HK$161,720
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,244/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,558 · Scale 2, in force from 26 Feb 2026)