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$72,667
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,927
−HK$2,297/mo
Today · 4.125%
HK$77,224
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,699/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,448/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,841
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,199/mo
Today · 4.125%
HK$85,209
baseline
▲ 0.50% · 4.625%
HK$89,700
+HK$4,491/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,418/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,200
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,913
−HK$2,756/mo
Today · 4.125%
HK$92,669
baseline
▲ 0.50% · 4.625%
HK$98,307
+HK$5,638/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,338/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,010
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,611
−HK$2,640/mo
Today · 4.125%
HK$102,251
baseline
▲ 0.50% · 4.625%
HK$107,641
+HK$5,390/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,502/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,734
−HK$6,380/mo
▼ 0.25% · 3.875%
HK$104,898
−HK$3,216/mo
Today · 4.125%
HK$108,114
baseline
▲ 0.50% · 4.625%
HK$114,692
+HK$6,578/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,228/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,178
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$116,213
−HK$3,080/mo
Today · 4.125%
HK$119,293
baseline
▲ 0.50% · 4.625%
HK$125,581
+HK$6,288/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,586/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,801
−HK$8,202/mo
▼ 0.25% · 3.875%
HK$134,869
−HK$4,134/mo
Today · 4.125%
HK$139,003
baseline
▲ 0.50% · 4.625%
HK$147,461
+HK$8,458/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$278,006/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,514
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$149,417
−HK$3,959/mo
Today · 4.125%
HK$153,376
baseline
▲ 0.50% · 4.625%
HK$161,461
+HK$8,085/mo
Deposit HK$3.19M · loan HK$28.68M · min. income ≈ HK$306,752/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,388 · Scale 2, in force from 26 Feb 2026)