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$72,697
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,959
−HK$2,297/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,957
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,875
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,044
−HK$2,201/mo
Today · 4.125%
HK$85,245
baseline
▲ 0.50% · 4.625%
HK$89,738
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,490/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,237
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,950
−HK$2,757/mo
Today · 4.125%
HK$92,707
baseline
▲ 0.50% · 4.625%
HK$98,348
+HK$5,641/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,414/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,050
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,653
−HK$2,640/mo
Today · 4.125%
HK$102,293
baseline
▲ 0.50% · 4.625%
HK$107,685
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,586/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,776
−HK$6,383/mo
▼ 0.25% · 3.875%
HK$104,942
−HK$3,217/mo
Today · 4.125%
HK$108,159
baseline
▲ 0.50% · 4.625%
HK$114,740
+HK$6,581/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,318/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,225
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,262
−HK$3,080/mo
Today · 4.125%
HK$119,342
baseline
▲ 0.50% · 4.625%
HK$125,633
+HK$6,291/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,684/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,855
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,926
−HK$4,135/mo
Today · 4.125%
HK$139,061
baseline
▲ 0.50% · 4.625%
HK$147,523
+HK$8,462/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,122/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,575
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,479
−HK$3,961/mo
Today · 4.125%
HK$153,440
baseline
▲ 0.50% · 4.625%
HK$161,528
+HK$8,088/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,880/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,953 · Scale 2, in force from 26 Feb 2026)