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$72,793
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,057
−HK$2,301/mo
Today · 4.125%
HK$77,358
baseline
▲ 0.50% · 4.625%
HK$82,065
+HK$4,707/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$154,716/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,203/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$89,856
+HK$4,500/mo
Deposit HK$15.96M · loan HK$15.96M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,351
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,069
−HK$2,760/mo
Today · 4.125%
HK$92,829
baseline
▲ 0.50% · 4.625%
HK$98,478
+HK$5,649/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$185,658/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,178
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,784
−HK$2,644/mo
Today · 4.125%
HK$102,428
baseline
▲ 0.50% · 4.625%
HK$107,827
+HK$5,399/mo
Deposit HK$12.77M · loan HK$19.15M · min. income ≈ HK$204,856/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,910
−HK$6,391/mo
▼ 0.25% · 3.875%
HK$105,080
−HK$3,221/mo
Today · 4.125%
HK$108,301
baseline
▲ 0.50% · 4.625%
HK$114,890
+HK$6,589/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,602/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,374
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$116,414
−HK$3,085/mo
Today · 4.125%
HK$119,499
baseline
▲ 0.50% · 4.625%
HK$125,798
+HK$6,299/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$238,998/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,027
−HK$8,217/mo
▼ 0.25% · 3.875%
HK$135,103
−HK$4,141/mo
Today · 4.125%
HK$139,244
baseline
▲ 0.50% · 4.625%
HK$147,716
+HK$8,472/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$278,488/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,766
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$149,676
−HK$3,966/mo
Today · 4.125%
HK$153,642
baseline
▲ 0.50% · 4.625%
HK$161,740
+HK$8,098/mo
Deposit HK$3.19M · loan HK$28.73M · min. income ≈ HK$307,284/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,356,732 · Scale 2, in force from 26 Feb 2026)