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$72,679
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,940
−HK$2,296/mo
Today · 4.125%
HK$77,236
baseline
▲ 0.50% · 4.625%
HK$81,936
+HK$4,700/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$154,472/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,854
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,023
−HK$2,200/mo
Today · 4.125%
HK$85,223
baseline
▲ 0.50% · 4.625%
HK$89,715
+HK$4,492/mo
Deposit HK$15.94M · loan HK$15.94M · min. income ≈ HK$170,446/mo (50% DSR)
Upfront cash ≈ HK$17.29M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,215
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,927
−HK$2,757/mo
Today · 4.125%
HK$92,684
baseline
▲ 0.50% · 4.625%
HK$98,323
+HK$5,639/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$185,368/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,025
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,628
−HK$2,639/mo
Today · 4.125%
HK$102,267
baseline
▲ 0.50% · 4.625%
HK$107,658
+HK$5,391/mo
Deposit HK$12.75M · loan HK$19.12M · min. income ≈ HK$204,534/mo (50% DSR)
Upfront cash ≈ HK$14.10M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,750
−HK$6,381/mo
▼ 0.25% · 3.875%
HK$104,915
−HK$3,216/mo
Today · 4.125%
HK$108,131
baseline
▲ 0.50% · 4.625%
HK$114,711
+HK$6,580/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$216,262/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,196
−HK$6,116/mo
▼ 0.25% · 3.875%
HK$116,232
−HK$3,080/mo
Today · 4.125%
HK$119,312
baseline
▲ 0.50% · 4.625%
HK$125,601
+HK$6,289/mo
Deposit HK$9.56M · loan HK$22.31M · min. income ≈ HK$238,624/mo (50% DSR)
Upfront cash ≈ HK$10.92M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,822
−HK$8,204/mo
▼ 0.25% · 3.875%
HK$134,891
−HK$4,135/mo
Today · 4.125%
HK$139,026
baseline
▲ 0.50% · 4.625%
HK$147,485
+HK$8,459/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$278,052/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,538
−HK$7,863/mo
▼ 0.25% · 3.875%
HK$149,441
−HK$3,960/mo
Today · 4.125%
HK$153,401
baseline
▲ 0.50% · 4.625%
HK$161,487
+HK$8,086/mo
Deposit HK$3.19M · loan HK$28.69M · min. income ≈ HK$306,802/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,354,607 · Scale 2, in force from 26 Feb 2026)