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$72,645
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,905
−HK$2,295/mo
Today · 4.125%
HK$77,200
baseline
▲ 0.50% · 4.625%
HK$81,898
+HK$4,698/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,400/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,817
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,984
−HK$2,199/mo
Today · 4.125%
HK$85,183
baseline
▲ 0.50% · 4.625%
HK$89,673
+HK$4,490/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,366/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,174
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,886
−HK$2,755/mo
Today · 4.125%
HK$92,641
baseline
▲ 0.50% · 4.625%
HK$98,278
+HK$5,637/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,282/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,980
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,581
−HK$2,639/mo
Today · 4.125%
HK$102,220
baseline
▲ 0.50% · 4.625%
HK$107,608
+HK$5,388/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,440/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,703
−HK$6,378/mo
▼ 0.25% · 3.875%
HK$104,867
−HK$3,214/mo
Today · 4.125%
HK$108,081
baseline
▲ 0.50% · 4.625%
HK$114,657
+HK$6,576/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,162/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,144
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,178
−HK$3,078/mo
Today · 4.125%
HK$119,256
baseline
▲ 0.50% · 4.625%
HK$125,543
+HK$6,287/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,512/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,761
−HK$8,200/mo
▼ 0.25% · 3.875%
HK$134,828
−HK$4,133/mo
Today · 4.125%
HK$138,961
baseline
▲ 0.50% · 4.625%
HK$147,416
+HK$8,455/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,922/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,470
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$149,372
−HK$3,958/mo
Today · 4.125%
HK$153,330
baseline
▲ 0.50% · 4.625%
HK$161,412
+HK$8,082/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,660/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,976 · Scale 2, in force from 26 Feb 2026)