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$71,636
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,864
−HK$2,264/mo
Today · 4.125%
HK$76,128
baseline
▲ 0.50% · 4.625%
HK$80,760
+HK$4,632/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$152,256/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,694
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,831
−HK$2,168/mo
Today · 4.125%
HK$83,999
baseline
▲ 0.50% · 4.625%
HK$88,427
+HK$4,428/mo
Deposit HK$15.71M · loan HK$15.71M · min. income ≈ HK$167,998/mo (50% DSR)
Upfront cash ≈ HK$17.04M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,963
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,637
−HK$2,716/mo
Today · 4.125%
HK$91,353
baseline
▲ 0.50% · 4.625%
HK$96,912
+HK$5,559/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$182,706/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,633
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,197
−HK$2,602/mo
Today · 4.125%
HK$100,799
baseline
▲ 0.50% · 4.625%
HK$106,113
+HK$5,314/mo
Deposit HK$12.57M · loan HK$18.85M · min. income ≈ HK$201,598/mo (50% DSR)
Upfront cash ≈ HK$13.90M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,290
−HK$6,289/mo
▼ 0.25% · 3.875%
HK$103,409
−HK$3,170/mo
Today · 4.125%
HK$106,579
baseline
▲ 0.50% · 4.625%
HK$113,064
+HK$6,485/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$213,158/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,571
−HK$6,028/mo
▼ 0.25% · 3.875%
HK$114,564
−HK$3,035/mo
Today · 4.125%
HK$117,599
baseline
▲ 0.50% · 4.625%
HK$123,798
+HK$6,199/mo
Deposit HK$9.42M · loan HK$21.99M · min. income ≈ HK$235,198/mo (50% DSR)
Upfront cash ≈ HK$10.76M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,944
−HK$8,086/mo
▼ 0.25% · 3.875%
HK$132,955
−HK$4,075/mo
Today · 4.125%
HK$137,030
baseline
▲ 0.50% · 4.625%
HK$145,368
+HK$8,338/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$274,060/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$143,449
−HK$7,750/mo
▼ 0.25% · 3.875%
HK$147,296
−HK$3,903/mo
Today · 4.125%
HK$151,199
baseline
▲ 0.50% · 4.625%
HK$159,169
+HK$7,970/mo
Deposit HK$3.14M · loan HK$28.27M · min. income ≈ HK$302,398/mo (50% DSR)
Upfront cash ≈ HK$4.48M (deposit + AVD stamp duty HK$1,335,162 · Scale 2, in force from 26 Feb 2026)