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$72,449
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$2,290/mo
Today · 4.125%
HK$76,992
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,685/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$153,984/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,599
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,760
−HK$2,193/mo
Today · 4.125%
HK$84,953
baseline
▲ 0.50% · 4.625%
HK$89,431
+HK$4,478/mo
Deposit HK$15.89M · loan HK$15.89M · min. income ≈ HK$169,906/mo (50% DSR)
Upfront cash ≈ HK$17.24M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,939
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$89,643
−HK$2,747/mo
Today · 4.125%
HK$92,390
baseline
▲ 0.50% · 4.625%
HK$98,012
+HK$5,622/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$184,780/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,718
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,312
−HK$2,632/mo
Today · 4.125%
HK$101,944
baseline
▲ 0.50% · 4.625%
HK$107,317
+HK$5,373/mo
Deposit HK$12.71M · loan HK$19.06M · min. income ≈ HK$203,888/mo (50% DSR)
Upfront cash ≈ HK$14.06M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,428
−HK$6,361/mo
▼ 0.25% · 3.875%
HK$104,583
−HK$3,206/mo
Today · 4.125%
HK$107,789
baseline
▲ 0.50% · 4.625%
HK$114,347
+HK$6,558/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$215,578/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,838
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$115,864
−HK$3,070/mo
Today · 4.125%
HK$118,934
baseline
▲ 0.50% · 4.625%
HK$125,203
+HK$6,269/mo
Deposit HK$9.53M · loan HK$22.24M · min. income ≈ HK$237,868/mo (50% DSR)
Upfront cash ≈ HK$10.88M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,408
−HK$8,177/mo
▼ 0.25% · 3.875%
HK$134,464
−HK$4,121/mo
Today · 4.125%
HK$138,585
baseline
▲ 0.50% · 4.625%
HK$147,018
+HK$8,433/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$277,170/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,077
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$148,968
−HK$3,947/mo
Today · 4.125%
HK$152,915
baseline
▲ 0.50% · 4.625%
HK$160,976
+HK$8,061/mo
Deposit HK$3.18M · loan HK$28.59M · min. income ≈ HK$305,830/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,350,319 · Scale 2, in force from 26 Feb 2026)