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$72,565
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,822
−HK$2,293/mo
Today · 4.125%
HK$77,115
baseline
▲ 0.50% · 4.625%
HK$81,808
+HK$4,693/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,230/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,728
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,893
−HK$2,196/mo
Today · 4.125%
HK$85,089
baseline
▲ 0.50% · 4.625%
HK$89,574
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,178/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,078
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,787
−HK$2,752/mo
Today · 4.125%
HK$92,539
baseline
▲ 0.50% · 4.625%
HK$98,169
+HK$5,630/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,078/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,873
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,471
−HK$2,636/mo
Today · 4.125%
HK$102,107
baseline
▲ 0.50% · 4.625%
HK$107,489
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,214/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,591
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,751
−HK$3,211/mo
Today · 4.125%
HK$107,962
baseline
▲ 0.50% · 4.625%
HK$114,531
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,924/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,019
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,050
−HK$3,075/mo
Today · 4.125%
HK$119,125
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$6,279/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,250/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,617
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,680
−HK$4,128/mo
Today · 4.125%
HK$138,808
baseline
▲ 0.50% · 4.625%
HK$147,254
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,616/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,310
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,207
−HK$3,954/mo
Today · 4.125%
HK$153,161
baseline
▲ 0.50% · 4.625%
HK$161,234
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,322/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,485 · Scale 2, in force from 26 Feb 2026)