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$72,569
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,826
−HK$2,293/mo
Today · 4.125%
HK$77,119
baseline
▲ 0.50% · 4.625%
HK$81,812
+HK$4,693/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$154,238/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,732
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,897
−HK$2,197/mo
Today · 4.125%
HK$85,094
baseline
▲ 0.50% · 4.625%
HK$89,579
+HK$4,485/mo
Deposit HK$15.91M · loan HK$15.91M · min. income ≈ HK$170,188/mo (50% DSR)
Upfront cash ≈ HK$17.26M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,083
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,791
−HK$2,752/mo
Today · 4.125%
HK$92,543
baseline
▲ 0.50% · 4.625%
HK$98,174
+HK$5,631/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$185,086/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,878
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,477
−HK$2,636/mo
Today · 4.125%
HK$102,113
baseline
▲ 0.50% · 4.625%
HK$107,495
+HK$5,382/mo
Deposit HK$12.73M · loan HK$19.09M · min. income ≈ HK$204,226/mo (50% DSR)
Upfront cash ≈ HK$14.08M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,596
−HK$6,371/mo
▼ 0.25% · 3.875%
HK$104,757
−HK$3,210/mo
Today · 4.125%
HK$107,967
baseline
▲ 0.50% · 4.625%
HK$114,537
+HK$6,570/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$215,934/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,025
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$116,056
−HK$3,075/mo
Today · 4.125%
HK$119,131
baseline
▲ 0.50% · 4.625%
HK$125,411
+HK$6,280/mo
Deposit HK$9.55M · loan HK$22.28M · min. income ≈ HK$238,262/mo (50% DSR)
Upfront cash ≈ HK$10.90M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,624
−HK$8,191/mo
▼ 0.25% · 3.875%
HK$134,687
−HK$4,128/mo
Today · 4.125%
HK$138,815
baseline
▲ 0.50% · 4.625%
HK$147,262
+HK$8,447/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$277,630/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,318
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$149,215
−HK$3,954/mo
Today · 4.125%
HK$153,169
baseline
▲ 0.50% · 4.625%
HK$161,242
+HK$8,073/mo
Deposit HK$3.18M · loan HK$28.64M · min. income ≈ HK$306,338/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,352,556 · Scale 2, in force from 26 Feb 2026)