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$72,511
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,767
−HK$2,291/mo
Today · 4.125%
HK$77,058
baseline
▲ 0.50% · 4.625%
HK$81,747
+HK$4,689/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,116/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,668
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,831
−HK$2,195/mo
Today · 4.125%
HK$85,026
baseline
▲ 0.50% · 4.625%
HK$89,508
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,052/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,013
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,720
−HK$2,750/mo
Today · 4.125%
HK$92,470
baseline
▲ 0.50% · 4.625%
HK$98,096
+HK$5,626/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,940/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,801
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,398
−HK$2,633/mo
Today · 4.125%
HK$102,031
baseline
▲ 0.50% · 4.625%
HK$107,410
+HK$5,379/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,062/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,516
−HK$6,365/mo
▼ 0.25% · 3.875%
HK$104,673
−HK$3,208/mo
Today · 4.125%
HK$107,881
baseline
▲ 0.50% · 4.625%
HK$114,446
+HK$6,565/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,762/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,935
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$115,964
−HK$3,073/mo
Today · 4.125%
HK$119,037
baseline
▲ 0.50% · 4.625%
HK$125,311
+HK$6,274/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,074/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,520
−HK$8,185/mo
▼ 0.25% · 3.875%
HK$134,580
−HK$4,125/mo
Today · 4.125%
HK$138,705
baseline
▲ 0.50% · 4.625%
HK$147,145
+HK$8,440/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,410/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,202
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$149,096
−HK$3,951/mo
Today · 4.125%
HK$153,047
baseline
▲ 0.50% · 4.625%
HK$161,114
+HK$8,067/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,094/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,481 · Scale 2, in force from 26 Feb 2026)