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$72,912
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,180
−HK$2,304/mo
Today · 4.125%
HK$77,484
baseline
▲ 0.50% · 4.625%
HK$82,199
+HK$4,715/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,968/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,114
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,289
−HK$2,207/mo
Today · 4.125%
HK$85,496
baseline
▲ 0.50% · 4.625%
HK$90,002
+HK$4,506/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$170,992/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,494
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,216
−HK$2,765/mo
Today · 4.125%
HK$92,981
baseline
▲ 0.50% · 4.625%
HK$98,638
+HK$5,657/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$185,962/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,336
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,947
−HK$2,648/mo
Today · 4.125%
HK$102,595
baseline
▲ 0.50% · 4.625%
HK$108,003
+HK$5,408/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,190/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,076
−HK$6,401/mo
▼ 0.25% · 3.875%
HK$105,252
−HK$3,225/mo
Today · 4.125%
HK$108,477
baseline
▲ 0.50% · 4.625%
HK$115,078
+HK$6,601/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,954/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,559
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$116,605
−HK$3,089/mo
Today · 4.125%
HK$119,694
baseline
▲ 0.50% · 4.625%
HK$126,003
+HK$6,309/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,388/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,241
−HK$8,230/mo
▼ 0.25% · 3.875%
HK$135,323
−HK$4,148/mo
Today · 4.125%
HK$139,471
baseline
▲ 0.50% · 4.625%
HK$147,958
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,942/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,004
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,920
−HK$3,973/mo
Today · 4.125%
HK$153,893
baseline
▲ 0.50% · 4.625%
HK$162,004
+HK$8,111/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,786/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,947 · Scale 2, in force from 26 Feb 2026)