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$72,533
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,789
−HK$2,293/mo
Today · 4.125%
HK$77,082
baseline
▲ 0.50% · 4.625%
HK$81,772
+HK$4,690/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,164/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,692
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,857
−HK$2,195/mo
Today · 4.125%
HK$85,052
baseline
▲ 0.50% · 4.625%
HK$89,535
+HK$4,483/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,104/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,040
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,747
−HK$2,751/mo
Today · 4.125%
HK$92,498
baseline
▲ 0.50% · 4.625%
HK$98,126
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$184,996/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,831
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,428
−HK$2,634/mo
Today · 4.125%
HK$102,062
baseline
▲ 0.50% · 4.625%
HK$107,442
+HK$5,380/mo
Deposit HK$12.72M · loan HK$19.09M · min. income ≈ HK$204,124/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,546
−HK$6,368/mo
▼ 0.25% · 3.875%
HK$104,705
−HK$3,209/mo
Today · 4.125%
HK$107,914
baseline
▲ 0.50% · 4.625%
HK$114,481
+HK$6,567/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$215,828/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,969
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$115,999
−HK$3,074/mo
Today · 4.125%
HK$119,073
baseline
▲ 0.50% · 4.625%
HK$125,349
+HK$6,276/mo
Deposit HK$9.54M · loan HK$22.27M · min. income ≈ HK$238,146/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,560
−HK$8,187/mo
▼ 0.25% · 3.875%
HK$134,621
−HK$4,126/mo
Today · 4.125%
HK$138,747
baseline
▲ 0.50% · 4.625%
HK$147,189
+HK$8,442/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$277,494/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,246
−HK$7,848/mo
▼ 0.25% · 3.875%
HK$149,142
−HK$3,952/mo
Today · 4.125%
HK$153,094
baseline
▲ 0.50% · 4.625%
HK$161,163
+HK$8,069/mo
Deposit HK$3.18M · loan HK$28.63M · min. income ≈ HK$306,188/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,892 · Scale 2, in force from 26 Feb 2026)