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$72,923
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,191
−HK$2,305/mo
Today · 4.125%
HK$77,496
baseline
▲ 0.50% · 4.625%
HK$82,211
+HK$4,715/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$154,992/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,126
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,302
−HK$2,207/mo
Today · 4.125%
HK$85,509
baseline
▲ 0.50% · 4.625%
HK$90,016
+HK$4,507/mo
Deposit HK$15.99M · loan HK$15.99M · min. income ≈ HK$171,018/mo (50% DSR)
Upfront cash ≈ HK$17.35M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,508
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,230
−HK$2,765/mo
Today · 4.125%
HK$92,995
baseline
▲ 0.50% · 4.625%
HK$98,654
+HK$5,659/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$185,990/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,351
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,962
−HK$2,649/mo
Today · 4.125%
HK$102,611
baseline
▲ 0.50% · 4.625%
HK$108,020
+HK$5,409/mo
Deposit HK$12.79M · loan HK$19.19M · min. income ≈ HK$205,222/mo (50% DSR)
Upfront cash ≈ HK$14.15M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,092
−HK$6,402/mo
▼ 0.25% · 3.875%
HK$105,268
−HK$3,226/mo
Today · 4.125%
HK$108,494
baseline
▲ 0.50% · 4.625%
HK$115,096
+HK$6,602/mo
Deposit HK$9.59M · loan HK$22.39M · min. income ≈ HK$216,988/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,576
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$116,623
−HK$3,090/mo
Today · 4.125%
HK$119,713
baseline
▲ 0.50% · 4.625%
HK$126,023
+HK$6,310/mo
Deposit HK$9.59M · loan HK$22.39M · min. income ≈ HK$239,426/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,261
−HK$8,232/mo
▼ 0.25% · 3.875%
HK$135,344
−HK$4,149/mo
Today · 4.125%
HK$139,493
baseline
▲ 0.50% · 4.625%
HK$147,980
+HK$8,487/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$278,986/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$146,027
−HK$7,889/mo
▼ 0.25% · 3.875%
HK$149,943
−HK$3,973/mo
Today · 4.125%
HK$153,916
baseline
▲ 0.50% · 4.625%
HK$162,029
+HK$8,113/mo
Deposit HK$3.20M · loan HK$28.78M · min. income ≈ HK$307,832/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,359,157 · Scale 2, in force from 26 Feb 2026)