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$72,411
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,664
−HK$2,288/mo
Today · 4.125%
HK$76,952
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,683/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$153,904/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,557
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,717
−HK$2,192/mo
Today · 4.125%
HK$84,909
baseline
▲ 0.50% · 4.625%
HK$89,385
+HK$4,476/mo
Deposit HK$15.88M · loan HK$15.88M · min. income ≈ HK$169,818/mo (50% DSR)
Upfront cash ≈ HK$17.23M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,894
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,596
−HK$2,747/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,961
+HK$5,618/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,668
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,261
−HK$2,630/mo
Today · 4.125%
HK$101,891
baseline
▲ 0.50% · 4.625%
HK$107,262
+HK$5,371/mo
Deposit HK$12.70M · loan HK$19.05M · min. income ≈ HK$203,782/mo (50% DSR)
Upfront cash ≈ HK$14.05M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,376
−HK$6,357/mo
▼ 0.25% · 3.875%
HK$104,529
−HK$3,204/mo
Today · 4.125%
HK$107,733
baseline
▲ 0.50% · 4.625%
HK$114,288
+HK$6,555/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$215,466/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,780
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$115,804
−HK$3,069/mo
Today · 4.125%
HK$118,873
baseline
▲ 0.50% · 4.625%
HK$125,139
+HK$6,266/mo
Deposit HK$9.53M · loan HK$22.23M · min. income ≈ HK$237,746/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,340
−HK$8,174/mo
▼ 0.25% · 3.875%
HK$134,395
−HK$4,119/mo
Today · 4.125%
HK$138,514
baseline
▲ 0.50% · 4.625%
HK$146,942
+HK$8,428/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$277,028/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,002
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$148,891
−HK$3,945/mo
Today · 4.125%
HK$152,836
baseline
▲ 0.50% · 4.625%
HK$160,893
+HK$8,057/mo
Deposit HK$3.18M · loan HK$28.58M · min. income ≈ HK$305,672/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,349,621 · Scale 2, in force from 26 Feb 2026)