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$72,792
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,056
−HK$2,301/mo
Today · 4.125%
HK$77,357
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,714/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,152
−HK$2,204/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$89,855
+HK$4,499/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,351
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,068
−HK$2,760/mo
Today · 4.125%
HK$92,828
baseline
▲ 0.50% · 4.625%
HK$98,477
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,656/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,177
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,783
−HK$2,644/mo
Today · 4.125%
HK$102,427
baseline
▲ 0.50% · 4.625%
HK$107,826
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,854/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,909
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,079
−HK$3,221/mo
Today · 4.125%
HK$108,300
baseline
▲ 0.50% · 4.625%
HK$114,889
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,600/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,373
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,413
−HK$3,085/mo
Today · 4.125%
HK$119,498
baseline
▲ 0.50% · 4.625%
HK$125,797
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$238,996/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,026
−HK$8,216/mo
▼ 0.25% · 3.875%
HK$135,102
−HK$4,140/mo
Today · 4.125%
HK$139,242
baseline
▲ 0.50% · 4.625%
HK$147,715
+HK$8,473/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,484/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,765
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$149,674
−HK$3,966/mo
Today · 4.125%
HK$153,640
baseline
▲ 0.50% · 4.625%
HK$161,739
+HK$8,099/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,280/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,719 · Scale 2, in force from 26 Feb 2026)