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$72,747
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$2,299/mo
Today · 4.125%
HK$77,309
baseline
▲ 0.50% · 4.625%
HK$82,013
+HK$4,704/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,618/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,930
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,101
−HK$2,201/mo
Today · 4.125%
HK$85,302
baseline
▲ 0.50% · 4.625%
HK$89,799
+HK$4,497/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,604/mo (50% DSR)
Upfront cash ≈ HK$17.31M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,296
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,012
−HK$2,758/mo
Today · 4.125%
HK$92,770
baseline
▲ 0.50% · 4.625%
HK$98,415
+HK$5,645/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,540/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,116
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,721
−HK$2,642/mo
Today · 4.125%
HK$102,363
baseline
▲ 0.50% · 4.625%
HK$107,759
+HK$5,396/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,726/mo (50% DSR)
Upfront cash ≈ HK$14.12M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,845
−HK$6,387/mo
▼ 0.25% · 3.875%
HK$105,013
−HK$3,219/mo
Today · 4.125%
HK$108,232
baseline
▲ 0.50% · 4.625%
HK$114,818
+HK$6,586/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,464/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,302
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$116,341
−HK$3,082/mo
Today · 4.125%
HK$119,423
baseline
▲ 0.50% · 4.625%
HK$125,718
+HK$6,295/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,846/mo (50% DSR)
Upfront cash ≈ HK$10.93M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,944
−HK$8,211/mo
▼ 0.25% · 3.875%
HK$135,017
−HK$4,138/mo
Today · 4.125%
HK$139,155
baseline
▲ 0.50% · 4.625%
HK$147,623
+HK$8,468/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$278,310/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,674
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$149,581
−HK$3,963/mo
Today · 4.125%
HK$153,544
baseline
▲ 0.50% · 4.625%
HK$161,638
+HK$8,094/mo
Deposit HK$3.19M · loan HK$28.71M · min. income ≈ HK$307,088/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,355,873 · Scale 2, in force from 26 Feb 2026)