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$72,940
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,209
−HK$2,305/mo
Today · 4.125%
HK$77,514
baseline
▲ 0.50% · 4.625%
HK$82,230
+HK$4,716/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$155,028/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,145
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,321
−HK$2,208/mo
Today · 4.125%
HK$85,529
baseline
▲ 0.50% · 4.625%
HK$90,037
+HK$4,508/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,058/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,528
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,250
−HK$2,767/mo
Today · 4.125%
HK$93,017
baseline
▲ 0.50% · 4.625%
HK$98,676
+HK$5,659/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$186,034/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,374
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,985
−HK$2,650/mo
Today · 4.125%
HK$102,635
baseline
▲ 0.50% · 4.625%
HK$108,045
+HK$5,410/mo
Deposit HK$12.80M · loan HK$19.19M · min. income ≈ HK$205,270/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,116
−HK$6,403/mo
▼ 0.25% · 3.875%
HK$105,292
−HK$3,227/mo
Today · 4.125%
HK$108,519
baseline
▲ 0.50% · 4.625%
HK$115,123
+HK$6,604/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$217,038/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,603
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,650
−HK$3,090/mo
Today · 4.125%
HK$119,740
baseline
▲ 0.50% · 4.625%
HK$126,052
+HK$6,312/mo
Deposit HK$9.60M · loan HK$22.39M · min. income ≈ HK$239,480/mo (50% DSR)
Upfront cash ≈ HK$10.96M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,292
−HK$8,233/mo
▼ 0.25% · 3.875%
HK$135,376
−HK$4,149/mo
Today · 4.125%
HK$139,525
baseline
▲ 0.50% · 4.625%
HK$148,015
+HK$8,490/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$279,050/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,061
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$149,978
−HK$3,974/mo
Today · 4.125%
HK$153,952
baseline
▲ 0.50% · 4.625%
HK$162,067
+HK$8,115/mo
Deposit HK$3.20M · loan HK$28.79M · min. income ≈ HK$307,904/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,473 · Scale 2, in force from 26 Feb 2026)