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$4,558/mo
▼ 0.25% · 3.875%
HK$74,958
−HK$2,297/mo
Today · 4.125%
HK$77,255
baseline
▲ 0.50% · 4.625%
HK$81,956
+HK$4,701/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,510/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,874
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,043
−HK$2,201/mo
Today · 4.125%
HK$85,244
baseline
▲ 0.50% · 4.625%
HK$89,737
+HK$4,493/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,488/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,236
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,949
−HK$2,757/mo
Today · 4.125%
HK$92,706
baseline
▲ 0.50% · 4.625%
HK$98,347
+HK$5,641/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$185,412/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,049
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,652
−HK$2,640/mo
Today · 4.125%
HK$102,292
baseline
▲ 0.50% · 4.625%
HK$107,684
+HK$5,392/mo
Deposit HK$12.75M · loan HK$19.13M · min. income ≈ HK$204,584/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,775
−HK$6,382/mo
▼ 0.25% · 3.875%
HK$104,941
−HK$3,216/mo
Today · 4.125%
HK$108,157
baseline
▲ 0.50% · 4.625%
HK$114,739
+HK$6,582/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$216,314/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,224
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$116,261
−HK$3,080/mo
Today · 4.125%
HK$119,341
baseline
▲ 0.50% · 4.625%
HK$125,632
+HK$6,291/mo
Deposit HK$9.56M · loan HK$22.32M · min. income ≈ HK$238,682/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,854
−HK$8,206/mo
▼ 0.25% · 3.875%
HK$134,924
−HK$4,136/mo
Today · 4.125%
HK$139,060
baseline
▲ 0.50% · 4.625%
HK$147,521
+HK$8,461/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,120/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,574
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$149,478
−HK$3,961/mo
Today · 4.125%
HK$153,439
baseline
▲ 0.50% · 4.625%
HK$161,527
+HK$8,088/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,878/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,939 · Scale 2, in force from 26 Feb 2026)