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$72,829
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,095
−HK$2,302/mo
Today · 4.125%
HK$77,397
baseline
▲ 0.50% · 4.625%
HK$82,106
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,794/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,022
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,195
−HK$2,204/mo
Today · 4.125%
HK$85,399
baseline
▲ 0.50% · 4.625%
HK$89,901
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,798/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,395
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,114
−HK$2,762/mo
Today · 4.125%
HK$92,876
baseline
▲ 0.50% · 4.625%
HK$98,527
+HK$5,651/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$185,752/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,226
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,834
−HK$2,645/mo
Today · 4.125%
HK$102,479
baseline
▲ 0.50% · 4.625%
HK$107,881
+HK$5,402/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$204,958/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,961
−HK$6,394/mo
▼ 0.25% · 3.875%
HK$105,133
−HK$3,222/mo
Today · 4.125%
HK$108,355
baseline
▲ 0.50% · 4.625%
HK$114,948
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,710/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,431
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,473
−HK$3,086/mo
Today · 4.125%
HK$119,559
baseline
▲ 0.50% · 4.625%
HK$125,861
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,118/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,093
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,171
−HK$4,143/mo
Today · 4.125%
HK$139,314
baseline
▲ 0.50% · 4.625%
HK$147,791
+HK$8,477/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$278,628/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,840
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,751
−HK$3,968/mo
Today · 4.125%
HK$153,719
baseline
▲ 0.50% · 4.625%
HK$161,822
+HK$8,103/mo
Deposit HK$3.19M · loan HK$28.75M · min. income ≈ HK$307,438/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,414 · Scale 2, in force from 26 Feb 2026)