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$72,552
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$2,293/mo
Today · 4.125%
HK$77,101
baseline
▲ 0.50% · 4.625%
HK$81,793
+HK$4,692/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,202/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,713
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,878
−HK$2,196/mo
Today · 4.125%
HK$85,074
baseline
▲ 0.50% · 4.625%
HK$89,558
+HK$4,484/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,148/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,062
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,770
−HK$2,751/mo
Today · 4.125%
HK$92,521
baseline
▲ 0.50% · 4.625%
HK$98,151
+HK$5,630/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,042/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,855
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,453
−HK$2,635/mo
Today · 4.125%
HK$102,088
baseline
▲ 0.50% · 4.625%
HK$107,469
+HK$5,381/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,176/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,572
−HK$6,370/mo
▼ 0.25% · 3.875%
HK$104,732
−HK$3,210/mo
Today · 4.125%
HK$107,942
baseline
▲ 0.50% · 4.625%
HK$114,510
+HK$6,568/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$215,884/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,998
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$116,029
−HK$3,074/mo
Today · 4.125%
HK$119,103
baseline
▲ 0.50% · 4.625%
HK$125,381
+HK$6,278/mo
Deposit HK$9.55M · loan HK$22.27M · min. income ≈ HK$238,206/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,593
−HK$8,189/mo
▼ 0.25% · 3.875%
HK$134,655
−HK$4,127/mo
Today · 4.125%
HK$138,782
baseline
▲ 0.50% · 4.625%
HK$147,227
+HK$8,445/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,564/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,283
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$149,180
−HK$3,952/mo
Today · 4.125%
HK$153,132
baseline
▲ 0.50% · 4.625%
HK$161,204
+HK$8,072/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,264/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,352,235 · Scale 2, in force from 26 Feb 2026)