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$72,521
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,777
−HK$2,292/mo
Today · 4.125%
HK$77,069
baseline
▲ 0.50% · 4.625%
HK$81,758
+HK$4,689/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$154,138/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,679
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,843
−HK$2,195/mo
Today · 4.125%
HK$85,038
baseline
▲ 0.50% · 4.625%
HK$89,520
+HK$4,482/mo
Deposit HK$15.90M · loan HK$15.90M · min. income ≈ HK$170,076/mo (50% DSR)
Upfront cash ≈ HK$17.25M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,025
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,732
−HK$2,750/mo
Today · 4.125%
HK$92,482
baseline
▲ 0.50% · 4.625%
HK$98,110
+HK$5,628/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$184,964/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,815
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,411
−HK$2,634/mo
Today · 4.125%
HK$102,045
baseline
▲ 0.50% · 4.625%
HK$107,424
+HK$5,379/mo
Deposit HK$12.72M · loan HK$19.08M · min. income ≈ HK$204,090/mo (50% DSR)
Upfront cash ≈ HK$14.07M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,529
−HK$6,367/mo
▼ 0.25% · 3.875%
HK$104,687
−HK$3,209/mo
Today · 4.125%
HK$107,896
baseline
▲ 0.50% · 4.625%
HK$114,461
+HK$6,565/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$215,792/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,950
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$115,980
−HK$3,073/mo
Today · 4.125%
HK$119,053
baseline
▲ 0.50% · 4.625%
HK$125,328
+HK$6,275/mo
Deposit HK$9.54M · loan HK$22.26M · min. income ≈ HK$238,106/mo (50% DSR)
Upfront cash ≈ HK$10.89M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,538
−HK$8,186/mo
▼ 0.25% · 3.875%
HK$134,598
−HK$4,126/mo
Today · 4.125%
HK$138,724
baseline
▲ 0.50% · 4.625%
HK$147,165
+HK$8,441/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$277,448/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,222
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$149,117
−HK$3,951/mo
Today · 4.125%
HK$153,068
baseline
▲ 0.50% · 4.625%
HK$161,136
+HK$8,068/mo
Deposit HK$3.18M · loan HK$28.62M · min. income ≈ HK$306,136/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$1,351,664 · Scale 2, in force from 26 Feb 2026)