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$72,893
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$2,304/mo
Today · 4.125%
HK$77,464
baseline
▲ 0.50% · 4.625%
HK$82,177
+HK$4,713/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,928/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,093
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,268
−HK$2,206/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$89,979
+HK$4,505/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,472
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,192
−HK$2,765/mo
Today · 4.125%
HK$92,957
baseline
▲ 0.50% · 4.625%
HK$98,613
+HK$5,656/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$185,914/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,311
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,921
−HK$2,648/mo
Today · 4.125%
HK$102,569
baseline
▲ 0.50% · 4.625%
HK$107,975
+HK$5,406/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$205,138/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,050
−HK$6,400/mo
▼ 0.25% · 3.875%
HK$105,224
−HK$3,226/mo
Today · 4.125%
HK$108,450
baseline
▲ 0.50% · 4.625%
HK$115,048
+HK$6,598/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,900/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,530
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,575
−HK$3,088/mo
Today · 4.125%
HK$119,663
baseline
▲ 0.50% · 4.625%
HK$125,971
+HK$6,308/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,326/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,207
−HK$8,228/mo
▼ 0.25% · 3.875%
HK$135,289
−HK$4,146/mo
Today · 4.125%
HK$139,435
baseline
▲ 0.50% · 4.625%
HK$147,919
+HK$8,484/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$278,870/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,967
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$149,882
−HK$3,971/mo
Today · 4.125%
HK$153,853
baseline
▲ 0.50% · 4.625%
HK$161,963
+HK$8,110/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$307,706/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,598 · Scale 2, in force from 26 Feb 2026)