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$72,858
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,124
−HK$2,303/mo
Today · 4.125%
HK$77,427
baseline
▲ 0.50% · 4.625%
HK$82,138
+HK$4,711/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,854/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,054
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,228
−HK$2,205/mo
Today · 4.125%
HK$85,433
baseline
▲ 0.50% · 4.625%
HK$89,936
+HK$4,503/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,866/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,430
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,149
−HK$2,763/mo
Today · 4.125%
HK$92,912
baseline
▲ 0.50% · 4.625%
HK$98,566
+HK$5,654/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$185,824/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,265
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,873
−HK$2,646/mo
Today · 4.125%
HK$102,519
baseline
▲ 0.50% · 4.625%
HK$107,923
+HK$5,404/mo
Deposit HK$12.78M · loan HK$19.17M · min. income ≈ HK$205,038/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,001
−HK$6,397/mo
▼ 0.25% · 3.875%
HK$105,174
−HK$3,224/mo
Today · 4.125%
HK$108,398
baseline
▲ 0.50% · 4.625%
HK$114,993
+HK$6,595/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$216,796/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,475
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$116,519
−HK$3,087/mo
Today · 4.125%
HK$119,606
baseline
▲ 0.50% · 4.625%
HK$125,911
+HK$6,305/mo
Deposit HK$9.59M · loan HK$22.37M · min. income ≈ HK$239,212/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,144
−HK$8,224/mo
▼ 0.25% · 3.875%
HK$135,224
−HK$4,144/mo
Today · 4.125%
HK$139,368
baseline
▲ 0.50% · 4.625%
HK$147,848
+HK$8,480/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$278,736/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,897
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$149,810
−HK$3,969/mo
Today · 4.125%
HK$153,779
baseline
▲ 0.50% · 4.625%
HK$161,885
+HK$8,106/mo
Deposit HK$3.20M · loan HK$28.76M · min. income ≈ HK$307,558/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,946 · Scale 2, in force from 26 Feb 2026)