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$72,661
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,921
−HK$2,296/mo
Today · 4.125%
HK$77,217
baseline
▲ 0.50% · 4.625%
HK$81,916
+HK$4,699/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,434/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,834
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,002
−HK$2,200/mo
Today · 4.125%
HK$85,202
baseline
▲ 0.50% · 4.625%
HK$89,693
+HK$4,491/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,404/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,193
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,905
−HK$2,756/mo
Today · 4.125%
HK$92,661
baseline
▲ 0.50% · 4.625%
HK$98,299
+HK$5,638/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,322/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,001
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,603
−HK$2,639/mo
Today · 4.125%
HK$102,242
baseline
▲ 0.50% · 4.625%
HK$107,631
+HK$5,389/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,484/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,725
−HK$6,379/mo
▼ 0.25% · 3.875%
HK$104,889
−HK$3,215/mo
Today · 4.125%
HK$108,104
baseline
▲ 0.50% · 4.625%
HK$114,682
+HK$6,578/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,208/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,168
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$116,203
−HK$3,079/mo
Today · 4.125%
HK$119,282
baseline
▲ 0.50% · 4.625%
HK$125,570
+HK$6,288/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,564/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,789
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$134,858
−HK$4,133/mo
Today · 4.125%
HK$138,991
baseline
▲ 0.50% · 4.625%
HK$147,448
+HK$8,457/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$277,982/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,502
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$149,404
−HK$3,959/mo
Today · 4.125%
HK$153,363
baseline
▲ 0.50% · 4.625%
HK$161,447
+HK$8,084/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,726/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,270 · Scale 2, in force from 26 Feb 2026)