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$72,733
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,995
−HK$2,299/mo
Today · 4.125%
HK$77,294
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,703/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,588/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,915
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,085
−HK$2,201/mo
Today · 4.125%
HK$85,286
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$4,496/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,572/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,279
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$89,994
−HK$2,759/mo
Today · 4.125%
HK$92,753
baseline
▲ 0.50% · 4.625%
HK$98,396
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,506/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,097
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,702
−HK$2,641/mo
Today · 4.125%
HK$102,343
baseline
▲ 0.50% · 4.625%
HK$107,738
+HK$5,395/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,686/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,826
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,993
−HK$3,218/mo
Today · 4.125%
HK$108,211
baseline
▲ 0.50% · 4.625%
HK$114,796
+HK$6,585/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,422/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,280
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,319
−HK$3,082/mo
Today · 4.125%
HK$119,401
baseline
▲ 0.50% · 4.625%
HK$125,694
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,802/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,919
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,991
−HK$4,138/mo
Today · 4.125%
HK$139,129
baseline
▲ 0.50% · 4.625%
HK$147,595
+HK$8,466/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,258/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,646
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,552
−HK$3,963/mo
Today · 4.125%
HK$153,515
baseline
▲ 0.50% · 4.625%
HK$161,607
+HK$8,092/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,030/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,614 · Scale 2, in force from 26 Feb 2026)