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$72,633
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,892
−HK$2,296/mo
Today · 4.125%
HK$77,188
baseline
▲ 0.50% · 4.625%
HK$81,885
+HK$4,697/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$154,376/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,804
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,971
−HK$2,198/mo
Today · 4.125%
HK$85,169
baseline
▲ 0.50% · 4.625%
HK$89,659
+HK$4,490/mo
Deposit HK$15.93M · loan HK$15.93M · min. income ≈ HK$170,338/mo (50% DSR)
Upfront cash ≈ HK$17.28M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,160
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,871
−HK$2,754/mo
Today · 4.125%
HK$92,625
baseline
▲ 0.50% · 4.625%
HK$98,261
+HK$5,636/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$185,250/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,964
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,565
−HK$2,638/mo
Today · 4.125%
HK$102,203
baseline
▲ 0.50% · 4.625%
HK$107,590
+HK$5,387/mo
Deposit HK$12.74M · loan HK$19.11M · min. income ≈ HK$204,406/mo (50% DSR)
Upfront cash ≈ HK$14.09M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,686
−HK$6,377/mo
▼ 0.25% · 3.875%
HK$104,849
−HK$3,214/mo
Today · 4.125%
HK$108,063
baseline
▲ 0.50% · 4.625%
HK$114,638
+HK$6,575/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$216,126/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,125
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$116,159
−HK$3,078/mo
Today · 4.125%
HK$119,237
baseline
▲ 0.50% · 4.625%
HK$125,522
+HK$6,285/mo
Deposit HK$9.56M · loan HK$22.30M · min. income ≈ HK$238,474/mo (50% DSR)
Upfront cash ≈ HK$10.91M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,740
−HK$8,198/mo
▼ 0.25% · 3.875%
HK$134,806
−HK$4,132/mo
Today · 4.125%
HK$138,938
baseline
▲ 0.50% · 4.625%
HK$147,392
+HK$8,454/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$277,876/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,446
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$149,347
−HK$3,957/mo
Today · 4.125%
HK$153,304
baseline
▲ 0.50% · 4.625%
HK$161,385
+HK$8,081/mo
Deposit HK$3.19M · loan HK$28.67M · min. income ≈ HK$306,608/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$1,353,754 · Scale 2, in force from 26 Feb 2026)