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$72,891
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,158
−HK$2,303/mo
Today · 4.125%
HK$77,461
baseline
▲ 0.50% · 4.625%
HK$82,175
+HK$4,714/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$154,922/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,090
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,265
−HK$2,206/mo
Today · 4.125%
HK$85,471
baseline
▲ 0.50% · 4.625%
HK$89,976
+HK$4,505/mo
Deposit HK$15.98M · loan HK$15.98M · min. income ≈ HK$170,942/mo (50% DSR)
Upfront cash ≈ HK$17.34M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,469
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,189
−HK$2,765/mo
Today · 4.125%
HK$92,954
baseline
▲ 0.50% · 4.625%
HK$98,610
+HK$5,656/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$185,908/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,308
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,918
−HK$2,647/mo
Today · 4.125%
HK$102,565
baseline
▲ 0.50% · 4.625%
HK$107,972
+HK$5,407/mo
Deposit HK$12.79M · loan HK$19.18M · min. income ≈ HK$205,130/mo (50% DSR)
Upfront cash ≈ HK$14.14M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,047
−HK$6,399/mo
▼ 0.25% · 3.875%
HK$105,221
−HK$3,225/mo
Today · 4.125%
HK$108,446
baseline
▲ 0.50% · 4.625%
HK$115,045
+HK$6,599/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$216,892/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,526
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$116,571
−HK$3,088/mo
Today · 4.125%
HK$119,659
baseline
▲ 0.50% · 4.625%
HK$125,967
+HK$6,308/mo
Deposit HK$9.59M · loan HK$22.38M · min. income ≈ HK$239,318/mo (50% DSR)
Upfront cash ≈ HK$10.95M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,203
−HK$8,227/mo
▼ 0.25% · 3.875%
HK$135,284
−HK$4,146/mo
Today · 4.125%
HK$139,430
baseline
▲ 0.50% · 4.625%
HK$147,915
+HK$8,485/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$278,860/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,962
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$149,877
−HK$3,971/mo
Today · 4.125%
HK$153,848
baseline
▲ 0.50% · 4.625%
HK$161,957
+HK$8,109/mo
Deposit HK$3.20M · loan HK$28.77M · min. income ≈ HK$307,696/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$1,358,552 · Scale 2, in force from 26 Feb 2026)