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$72,827
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,092
−HK$2,302/mo
Today · 4.125%
HK$77,394
baseline
▲ 0.50% · 4.625%
HK$82,103
+HK$4,709/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$154,788/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,019
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,192
−HK$2,204/mo
Today · 4.125%
HK$85,396
baseline
▲ 0.50% · 4.625%
HK$89,898
+HK$4,502/mo
Deposit HK$15.97M · loan HK$15.97M · min. income ≈ HK$170,792/mo (50% DSR)
Upfront cash ≈ HK$17.33M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,392
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,111
−HK$2,762/mo
Today · 4.125%
HK$92,873
baseline
▲ 0.50% · 4.625%
HK$98,524
+HK$5,651/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$185,746/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,223
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,831
−HK$2,645/mo
Today · 4.125%
HK$102,476
baseline
▲ 0.50% · 4.625%
HK$107,877
+HK$5,401/mo
Deposit HK$12.78M · loan HK$19.16M · min. income ≈ HK$204,952/mo (50% DSR)
Upfront cash ≈ HK$14.13M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,958
−HK$6,393/mo
▼ 0.25% · 3.875%
HK$105,129
−HK$3,222/mo
Today · 4.125%
HK$108,351
baseline
▲ 0.50% · 4.625%
HK$114,944
+HK$6,593/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$216,702/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,427
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$116,469
−HK$3,086/mo
Today · 4.125%
HK$119,555
baseline
▲ 0.50% · 4.625%
HK$125,857
+HK$6,302/mo
Deposit HK$9.58M · loan HK$22.36M · min. income ≈ HK$239,110/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,088
−HK$8,221/mo
▼ 0.25% · 3.875%
HK$135,166
−HK$4,143/mo
Today · 4.125%
HK$139,309
baseline
▲ 0.50% · 4.625%
HK$147,785
+HK$8,476/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$278,618/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$145,835
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$149,746
−HK$3,968/mo
Today · 4.125%
HK$153,714
baseline
▲ 0.50% · 4.625%
HK$161,816
+HK$8,102/mo
Deposit HK$3.19M · loan HK$28.74M · min. income ≈ HK$307,428/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$1,357,367 · Scale 2, in force from 26 Feb 2026)