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$72,562
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,819
−HK$2,294/mo
Today · 4.125%
HK$77,113
baseline
▲ 0.50% · 4.625%
HK$81,805
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,226/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,725
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,890
−HK$2,196/mo
Today · 4.125%
HK$85,086
baseline
▲ 0.50% · 4.625%
HK$89,571
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,172/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,075
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,783
−HK$2,752/mo
Today · 4.125%
HK$92,535
baseline
▲ 0.50% · 4.625%
HK$98,166
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,070/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,870
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,468
−HK$2,635/mo
Today · 4.125%
HK$102,103
baseline
▲ 0.50% · 4.625%
HK$107,485
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,206/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,587
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,747
−HK$3,211/mo
Today · 4.125%
HK$107,958
baseline
▲ 0.50% · 4.625%
HK$114,527
+HK$6,569/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,916/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,015
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,046
−HK$3,075/mo
Today · 4.125%
HK$119,121
baseline
▲ 0.50% · 4.625%
HK$125,400
+HK$6,279/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,242/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,612
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,675
−HK$4,128/mo
Today · 4.125%
HK$138,803
baseline
▲ 0.50% · 4.625%
HK$147,249
+HK$8,446/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,606/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,305
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$149,202
−HK$3,953/mo
Today · 4.125%
HK$153,155
baseline
▲ 0.50% · 4.625%
HK$161,228
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,310/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,436 · Scale 2, in force from 26 Feb 2026)