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$72,727
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,990
−HK$2,298/mo
Today · 4.125%
HK$77,288
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,703/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$154,576/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,078
−HK$2,202/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$89,775
+HK$4,495/mo
Deposit HK$15.95M · loan HK$15.95M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$17.30M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,273
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,988
−HK$2,758/mo
Today · 4.125%
HK$92,746
baseline
▲ 0.50% · 4.625%
HK$98,389
+HK$5,643/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$185,492/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,090
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,694
−HK$2,642/mo
Today · 4.125%
HK$102,336
baseline
▲ 0.50% · 4.625%
HK$107,730
+HK$5,394/mo
Deposit HK$12.76M · loan HK$19.14M · min. income ≈ HK$204,672/mo (50% DSR)
Upfront cash ≈ HK$14.11M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,818
−HK$6,385/mo
▼ 0.25% · 3.875%
HK$104,986
−HK$3,217/mo
Today · 4.125%
HK$108,203
baseline
▲ 0.50% · 4.625%
HK$114,787
+HK$6,584/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$216,406/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,272
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$116,310
−HK$3,082/mo
Today · 4.125%
HK$119,392
baseline
▲ 0.50% · 4.625%
HK$125,685
+HK$6,293/mo
Deposit HK$9.57M · loan HK$22.33M · min. income ≈ HK$238,784/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,909
−HK$8,210/mo
▼ 0.25% · 3.875%
HK$134,981
−HK$4,138/mo
Today · 4.125%
HK$139,119
baseline
▲ 0.50% · 4.625%
HK$147,584
+HK$8,465/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$278,238/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,635
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$149,541
−HK$3,963/mo
Today · 4.125%
HK$153,504
baseline
▲ 0.50% · 4.625%
HK$161,595
+HK$8,091/mo
Deposit HK$3.19M · loan HK$28.70M · min. income ≈ HK$307,008/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,355,513 · Scale 2, in force from 26 Feb 2026)