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$72,693
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,954
−HK$2,297/mo
Today · 4.125%
HK$77,251
baseline
▲ 0.50% · 4.625%
HK$81,952
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,502/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,870
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,039
−HK$2,200/mo
Today · 4.125%
HK$85,239
baseline
▲ 0.50% · 4.625%
HK$89,732
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,478/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,231
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,945
−HK$2,757/mo
Today · 4.125%
HK$92,702
baseline
▲ 0.50% · 4.625%
HK$98,342
+HK$5,640/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,404/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,044
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,647
−HK$2,640/mo
Today · 4.125%
HK$102,287
baseline
▲ 0.50% · 4.625%
HK$107,679
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,574/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,770
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,936
−HK$3,216/mo
Today · 4.125%
HK$108,152
baseline
▲ 0.50% · 4.625%
HK$114,733
+HK$6,581/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,304/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,218
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,255
−HK$3,080/mo
Today · 4.125%
HK$119,335
baseline
▲ 0.50% · 4.625%
HK$125,625
+HK$6,290/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,670/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,847
−HK$8,205/mo
▼ 0.25% · 3.875%
HK$134,917
−HK$4,135/mo
Today · 4.125%
HK$139,052
baseline
▲ 0.50% · 4.625%
HK$147,513
+HK$8,461/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,104/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,566
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,470
−HK$3,961/mo
Today · 4.125%
HK$153,431
baseline
▲ 0.50% · 4.625%
HK$161,518
+HK$8,087/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,862/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,868 · Scale 2, in force from 26 Feb 2026)