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$72,794
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,059
−HK$2,300/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,983
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,155
−HK$2,203/mo
Today · 4.125%
HK$85,358
baseline
▲ 0.50% · 4.625%
HK$89,858
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,716/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,353
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,070
−HK$2,761/mo
Today · 4.125%
HK$92,831
baseline
▲ 0.50% · 4.625%
HK$98,480
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,662/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,180
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,786
−HK$2,644/mo
Today · 4.125%
HK$102,430
baseline
▲ 0.50% · 4.625%
HK$107,829
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,860/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,912
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,082
−HK$3,221/mo
Today · 4.125%
HK$108,303
baseline
▲ 0.50% · 4.625%
HK$114,893
+HK$6,590/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,606/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,376
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$116,417
−HK$3,085/mo
Today · 4.125%
HK$119,502
baseline
▲ 0.50% · 4.625%
HK$125,801
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,004/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,030
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,106
−HK$4,141/mo
Today · 4.125%
HK$139,247
baseline
▲ 0.50% · 4.625%
HK$147,719
+HK$8,472/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,494/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,769
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,679
−HK$3,966/mo
Today · 4.125%
HK$153,645
baseline
▲ 0.50% · 4.625%
HK$161,744
+HK$8,099/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,290/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,760 · Scale 2, in force from 26 Feb 2026)