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$72,817
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$2,301/mo
Today · 4.125%
HK$77,383
baseline
▲ 0.50% · 4.625%
HK$82,091
+HK$4,708/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,766/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,204/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$89,885
+HK$4,501/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$17.32M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,380
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,098
−HK$2,761/mo
Today · 4.125%
HK$92,859
baseline
▲ 0.50% · 4.625%
HK$98,510
+HK$5,651/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$185,718/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,209
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,816
−HK$2,645/mo
Today · 4.125%
HK$102,461
baseline
▲ 0.50% · 4.625%
HK$107,862
+HK$5,401/mo
Deposit HK$12.77M · loan HK$19.16M · min. income ≈ HK$204,922/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,943
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,114
−HK$3,222/mo
Today · 4.125%
HK$108,336
baseline
▲ 0.50% · 4.625%
HK$114,928
+HK$6,592/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$216,672/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,411
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$116,452
−HK$3,086/mo
Today · 4.125%
HK$119,538
baseline
▲ 0.50% · 4.625%
HK$125,839
+HK$6,301/mo
Deposit HK$9.58M · loan HK$22.35M · min. income ≈ HK$239,076/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,070
−HK$8,219/mo
▼ 0.25% · 3.875%
HK$135,147
−HK$4,142/mo
Today · 4.125%
HK$139,289
baseline
▲ 0.50% · 4.625%
HK$147,764
+HK$8,475/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,578/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,814
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$149,724
−HK$3,968/mo
Today · 4.125%
HK$153,692
baseline
▲ 0.50% · 4.625%
HK$161,793
+HK$8,101/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,384/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,174 · Scale 2, in force from 26 Feb 2026)